Home Mortgage
FREE mortgage pre-qualification - make your best offer with confidence!
Whether buying your first home or upgrading from your current one, JBT has the perfect mortgage for you. That’s because JBT’s mortgage experts have the knowledge and experience to find the mortgage that fits your life. From fixed-rate loans, adjustable rate mortgages, construction mortgages, and custom financing solutions, to federal mortgage programs like FHA loans and VA loans, JBT has your mortgage solution.
Our goal is to provide the highest level of service at competitive rates. You can connect directly with one of our JBT Mortgage Originators, apply online and you can use one of our mortgage calculators.
(Never send confidential personal information via email)
As Mortgage Originators with JBT, we understand the homebuying, homebuilding, and financing process. We look forward to guiding you through each step of the mortgage application and approval process – from our initial meeting to the settlement table. We work to keep your experience as streamlined as possible and are here to answer any questions. We invite you to Bank on a Smile® with our experienced mortgage team.
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SmartMove Mortgage*
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DESIGNED FOR FIRST-TIME HOMEBUYERS
With a low, minimum 3% down payment requirement and no restrictions on income limit, our new program helps first-time buyers turn the dream of homeownership into reality!
- Minimum 3% Down
Up to 97% financing for first-time homebuyers
- No PMI required
(Private Mortgage Insurance)
- No income limit
- Includes Construction Loan Option
Loan to value (LTV) of 97%
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| *Subject to credit approval. Owner-occupied properties only. Ask about repayment terms. Maximum loan amount of $450,000. Up to 97% LTV (loan to value) financing for purchase and construction of 1 unit. Private Mortgage Insurance (PMI) waived, not required. Escrow required. An appraisal and flood insurance may be required. Closing will include any third-party fees for appraisal, credit report, flood certification, flood life of loan, title search, notary, tax certifications, and recording. Your Annual Percentage Rate (APR) will be determined based on your credit qualifications. Rates and terms are subject to change. |
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Professionals Mortgage*
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DESIGNED FOR DOCTORS, ATTORNEYS, ACCOUNTANTS, AND MORE
JBT’s Professionals Mortgage is a great way to help professionals and early career professionals own a home, even if you are facing sizable student loans. That’s because deferred student loan payments are excluded when JBT determines qualification for the loan. And that’s just one of the benefits!
- 100% financing available with no down payment requirement
- No Private Mortgage Insurance (PMI) requirement
- Deferred student loan payments not considered for qualifying purposes
- Available to purchase an existing home or for construction
- 7/1 Adjustable Rate Mortgage (ARM) – Interest rate locked for 7 years and then adjusts based on market conditions for the remainder of the 30-year term
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| *Subject to credit approval. 30-year term only. Not available for mortgage refinancing. This product is an adjustable rate mortgage secured by real estate with a maximum loan amount of $800,000 up to 100% Loan-to-Value (LTV), $800,001–$1,000,000 up to 97% LTV, $1,000,001–$1,500,000 up to 95% LTV. Any interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible and you should consult your tax advisor. The interest rate on this product is fixed for the first seven years and then adjusts based on market conditions for the remainder of the 30-year term. Various terms available with applicable fees. Private Mortgage Insurance (PMI) waived, not required. An appraisal and flood insurance may be required. Closing will include any third-party fees for appraisal, credit report, flood certification, flood life of loan, title search, notary, tax certifications, and recording. Your Annual Percentage Rate (APR) will be determined based on your credit qualifications. Verification of degree and certification required. Student loans deferred for 12 months are not included in monthly Debt-to-Income (DTI). Professionals in practice for more than 10 years are not eligible. Rates and terms are subject to change. |
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Whether you're a repeat buyer, first-time buyer, or looking to refinance for lower monthly payments, the HomeReady® Mortgage program can help with a downpayment as low as 3%1, cancellable mortgage insurance2, expanded opportunities, and online education tools.
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Fixed-Rate Loans
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| Many homebuyers prefer to lock in a ‘fixed’ interest rate for the life of the loan. Planning budgets can be easier when you know what your mortgage payment will be every month. With flexible terms up to 30 years, it can be a great choice if you plan to stay in your home for more than a few years. |
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Adjustable-Rate Mortgage (ARM)
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| If you expect personal income to increase reliably in the future, or plan on being in your home only a short period, you may want to consider an ARM. An ARM’s variable rate may offer a lower interest rate to start, and then adjust periodically (up or down) within pre-determined limits. |
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Construction Mortgage
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| Having a local mortgage lender really helps when you need extra flexibility in planning and building your dream home. The experienced JBT mortgage experts can help synchronize all your financing needs so you can focus on more important decisions – like the latest shower tile choices or kitchen cabinetry options. We’ll be happy to customize a complete financing plan to fit your needs. |
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Custom Financing Solutions
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| As a local bank, JBT can be more flexible when customizing a financing solution for unusual situations. No matter what you’d like to achieve, just ask us about it. We’ll do what we can to design a customized mortgage solution that fits you and your family perfectly. |
Federal Mortgage Programs
GOVERNMENT-SPONSORED LOANS MAY HELP QUALIFIED HOME-BUYERS GET INTO A NEW HOME MORE AFFORDABLY. JBT CAN GUIDE YOU WITH THESE SMART OPTIONS.
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FHA Loan
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A HELPFUL OPTION WITH LOW DOWN PAYMENT3 REQUIREMENTS
The Federal Housing Administration (FHA) offers mortgage loans that can help you buy your forever home. With low down payment 3 requirements and flexible underwriting guidelines, you may find an FHA mortgage to be a helpful option. JBT can help you understand the requirements involved and take advantage of the FHA Loan features that may benefit you most. |
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VA Home Loan
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FOR ACTIVE SERVICE MEMBERS, VETERANS & SELECT SPOUSES
Guaranteed by the Department of Veterans Affairs (VA), the VA Home Loan program offers eligible active-duty service members, veterans, and select spouses an affordable path to homeownership. Loan features include more flexible qualification guidelines and up to 100% financing. JBT can help you take advantage of the VA Home Loan features that may benefit you most. This is a wonderful program that helps give back to those who have given so much for our country |
2- Restrictions Apply
3- May require private mortgage insurance.
No guaranty of loan approval is implied. This is not an offer to enter into agreement or commitment to lend. All products are subject to credit and property approval. Terms, rates and programs are subject to change without notice.
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HomeReady® Mortgage © 2026 Fannie Mae