Buy, build, refinance or improve the home of your dreams.

A mortgage that's right for you!


Applying for a home mortgage is easy!




Printable Forms

The forms below are basic forms that may be used in the mortgage application process. To learn more about each individual form, please contact us.


There are a lot of documents involved in the mortgage process. To ensure a smooth process, gather these documents ahead of time and respond to requests for additional information as quickly as possible. Depending on your personal financial situation and desired loan, additional documentation may be needed.

Needed for Application

  • Valid Driver’s License
  • Federal Income Tax Returns (previous two years)
  • W-2 Forms (previous two years)
  • Proof of Additional Income
  • Bank Statements (all accounts previous two months)
  • Investment Account Statements (previous two months)
  • Credit Report (Mortgage Loan Officer will obtain)

Note: The above is intended to be a General List of items needed, but your loan circumstances may require additional information or varied amount and types of documentation.


Q: How do I know how much house I can afford?
A: Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

Q: What is the difference between a fixed-rate loan and an adjustable-rate loan?
A: With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

Q: How are an index and margin used in an ARM?
A: An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).

Q: How do I know which type of mortgage is best for me?
A: There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Inwood National Bank and our team of Mortgage Professionals can help you evaluate your choices and help you make the most appropriate decision.

Q: What does my mortgage payment include?
A: For most homeowners, the monthly mortgage payments include three separate parts: Principal: Repayment on the amount borrowed Interest: Payment to the lender for the amount borrowed Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.

Q: How much cash will I need to purchase a home?
A: The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply: Earnest Money: The deposit that is supplied when you make an offer on the house Down Payment: A percentage of the cost of the home that is due at settlement Closing Costs: Costs associated with processing paperwork to purchase or refinance a house (In some cases, the seller may pay your closing costs for you through a Seller Contribution. Our Mortgage Professionals can explain this in more detail.)

Lending Information

To speak to one of our Mortgage Team Members you can reach us at 214-351-8730





I worked with Ang on a closing a couple of years ago and was impressed with the service and how things were handled in a timely matter. Also Ang was very professional while being courteous, friendly and personal at the same time. The staff at Inwood Bank are GREAT!

Scott and Donna B.


Friendly staff and great rates.

Paul and Courtney S.


My mother has banked with Inwood for 40 years. Carole was very prompt and our questions were always answered. All things were done in a timely fashion and they had great rates.

Katy and Clint J.


My experience with Inwood was awesome! I was a first time home buyer and everything with them went extremely smooth. They made themselves very available for any questions I had and were quick to respond to emails. Definitely put me at ease through my entire process with them.

Diana R.


I was referred to Inwood Bank (and Mr. Poe) as a lender by my Realtor. I appreciate the excellent service provided by Mr. Poe and his team. Every question I had was answered with speed and courtesy and my loan closed sooner than originally expected, with no wrinkles or administrative issues. I plan to open a regular banking relationship with this bank because I was so highly impressed with the ease of my transaction.

Harlene M.


We had a positive previous experience with Ang and her team, plus they offered a competitive loan rate and low closing costs.

Alfred and Kate C.


I was impressed with Carole’s level of service and willingness to help and answer all my questions. I am very happy with everyone that assisted in the entire process; everyone was so helpful, kind and very professional. In addition, I was very satisfied with the interest rate I was offered.

Karla H.


It was very easy to get answers in a timely manner. The speed in which everything was done was amazing.

Matthew and Karen Z.