An application may be taken at any of our 61 offices. The originators below carry residential mortgage applications directly, and each is registered in the Nationwide Multistate Licensing System.
| Originator | Title | Office | Direct | NMLS ID |
|---|---|---|---|---|
| Patrick McElhaney | Assistant Vice President, Branch Manager II | Red Bank | (423) 555-0162 ext. 3308 | 1002357 |
| Felicia Mainord | Vice President, Senior Mortgage Loan Originator | East Brainerd | (423) 555-0147 ext. 2914 | 1180436 |
| Dustin Hargrove | Mortgage Loan Originator | Hixson Pike | (423) 555-0173 ext. 5271 | 2274918 |
An originator can tell you what you qualify for before you have a property under contract, and a pre-qualification costs nothing and does not obligate you. Bring or be ready to send two recent pay statements, two years of W-2 forms or tax returns if you are self employed, and two months of statements for any account you intend to use for the down payment. If you are buying, the purchase contract comes later.
We keep the servicing on most of what we originate, which means the company you send your payment to on the first payment is the company you send it to in year ten. Loans we do sell are disclosed to you before closing.
Calder Bank & Trust, N.A. NMLS ID 448193. Each originator's NMLS unique identifier is listed above and appears on the disclosures you receive with your application. You may confirm any registration through the NMLS Consumer Access system.
All loans are subject to credit approval and property appraisal. Property insurance is required, and flood insurance is required where the property is in a special flood hazard area. Rates, terms and program availability are subject to change without notice. Calder Bank & Trust, N.A. is an Equal Housing Lender.