Whether you are looking to get pre-approved or have found your home, Huntington’s extension of services and options can really help you determine which loan type is most suitable for you.
Let’s face it, mortgages doesn’t have to be as complicated as we make it.
With Huntington Bank, their seasoned loan officers will assist you with every step of the way and with educational resources every inch of their site, they’ll further teach you what it takes or what to expect when buying or refinancing a new home. One thing that I’d like to note is that based on your individual circumstances, your path may vary.
| BONUS LINK | OFFER | REVIEW |
| Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $100 Cash | Review |
How to Get a Mortgage from Huntington Bank?
- Complete your application Complete your application in its entirety. Once you’ve completed and submitted the application, a qualified Mortgage Loan Representative will contact you with any additional information that is needed and walk you through the rest of the mortgage process. Below is a check list of what documents you’d need:
- Application Fee ( if applicable )
- Legible sales contract signed by Buyers and Sellers ( when available )
- Social Security numbers of all applicants
- Complete addresses for the past 2 years (including complete name and address of landlords for past 24 months)
- Name, address, and all income earned from all employers for past 24 months
- Copies of previous two years’ W-2 forms
- Copy of most recent year-to-date paystub
- Name, address, account number, monthly payment and current balance for: installment loans, revolving charge accounts, student loans, mortgage loans and auto loans
- Name, address, account number and balance of all deposit accounts, including: checking accounts, savings accounts, stocks, bonds, 401K, etc.
- Three months’ most recent statements for deposit accounts, stocks, etc.
- If you choose to include income from Child Support/Alimony bring copies of court records or canceled checks showing receipt of payment
In addition to the general requirements above:
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- If you are applying for a VA Loan:
- DD-214, Certificate of Eligibility or statement from your Commanding Officer if you are on active duty If you are self-employed or paid by commission
- Previous two years’ Federal Income Tax Returns with all schedules
- A year-to-date profit and loss statement If you own other properties:
- Address of properties and current market value If any debt is owed on properties: • Lender’s name, address, account number, monthly payment and current balance
- Copy of previous two years’ Federal Income Tax Returns with all schedules
- If rented: copy of lease
- A year-to-date profit and loss statement If you have filed bankruptcy in the last seven years:
- Copy of petition and discharge, handwritten explanation of the reason for bankruptcy and evidence of excellent credit since the bankruptcy
- You can find your routing number on the bottom left of a check
- Your application is received by Huntington Within three business days from when the lender receives your application, the Real Estate Settlement Procedures Act (RESPA) requires the lender to provide you: Good Faith Estimate, Settlement Cost Booklet, Truth in Lending Disclosure. Review these documents carefully
- Huntington will order all of the appropriate documentation from any third party service Credit Report – Huntington will obtain a credit report showing a two- to seven-year history. Typically, the cost of the credit report is covered by the application fee. Appropriate documentation includes: Property Appraisal, Property Surveys, and Other Property Inspections.
- Your Loan is processed. This process can take anywhere from 48 hours to three weeks depending upon the type of mortgage you choose and other factors.
- Loan decision is made Based on all the information you have provided, the credit report and the property appraisal, an underwriting decision is prepared. Once a decision on your file is reached a Mortgage Representative from Huntington will contact you with the information.
- Set-up of Loan Closing Your Mortgage Representative from Huntington will contact you to coordinate a closing date that is suitable for you. At that time, Huntington will remind you that your Homeowners Insurance policy is needed and should be mailed to us at least one week before your scheduled closing date.
- The buyer becomes the owner of a desired property and the seller gets paid; essentially the Settlement/Closing day. At settlement attorneys and/or closing agents will guide you through the process of reviewing and signing documents.
Finding The Right Mortgage
One thing Huntington Bank does completely 100% right is that they offer plenty of educational resources without having to shove it up your throat.
They will even educate you on how to find the right mortgage and what tools should be use because, let’s face it, not everyone gets their eggs from the same basket.
Based on your individual circumstances, your path may vary.
- Fixed vs Adjustable Loans: This tool calculates the monthly mortgage
payment for a fixed- and adjustable-rate mortgage (ARM) loan, given their respective interest rates and other loan terms. - 15 year vs. 30 year: This tool calculates total cost and monthly payments for two fixed rate mortgage loans of different terms and helps you determine which loan is better for you.
- Get a Quote: Take five minutes and they’ll create custom rate and payment options with side-by-side comparisons.
- Gathering Documents: When you meet with your mortgage specialists, you’ll need a few documents. Browse their list to get prepared.
Huntington Bank Promotions
 • Open a Huntington Unlimited Plus Business Checking Account • Earn $1,000 bonus when you open a Huntington Unlimited Plus Business Checking account and make total deposits of at least $20,000 within 30 days of account opening. • Maintain minimum daily balance of $20,000 for 60 days after meeting deposit requirement. • The $1,000 bonus will be deposited into your account after all requirements are met. • Enjoy overdraft protection with no annual fee or deposit-to-deposit overdraft protection with no transfer fee! • Bonus Service. Choose one bonus service such as fraud tools, discounts on payroll services, or Huntington Deposit Scan® • Ideal for businesses with higher checking activity and greater cash flow needs. |
 • Open a Huntington Unlimited Business Checking Account • Earn $400 bonus when you open a Huntington Unlimited Business Checking account and make total deposits of at least $5,000 within 60 days of account opening. • The $400 bonus will be deposited into your account after all requirements are met. • Get Overdraft Protection Account with no annual fee, or Deposit-to-Deposit Overdraft Protection with no transfer fee. • Enjoy unlimited transactions. And up to $10,000 in cash or currency deposits monthly in-branch or at an ATM at no charge. • Designed for businesses with higher checking activity and greater cash flow needs. • Bonus service. Choose one bonus service such as fraud tools, discounts on payroll services, or Huntington Deposit Scan®. |
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Conclusion
You don’t have to make your Home Buying Process any harder than it has to be because with Huntington Bank, their seasoned loan representatives will help you every step of the way until you’ve achieved closing your home.
One thing Huntington Bank does completely 100% right is that they offer plenty of educational resources without having to shove it up your throat.
Choosing the right mortgage loan is crucial, because we all have our own individual circumstances that makes one loan type so much more suitable or viable than the other.
Huntington is consistent with their mortgage product, as well as their services, which I highly recommend you take a look at.
Also go ahead and check out our list of Huntington Bank Promotions here first at BankCheckingSavings.com!
