Community One

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Community One
1222 Rockingham Rd
Rockingham,NC 28379
Phone:(910) 997-2265
Fax:(910) 997-7204

Whether buying, building, or refinancing your dream home, CommunityONE provides mortgage service that is prompt, professional, and with a personal touch. That’s because we make credit decisions and service our loans locally. We have dedicated mortgage loan officers serving in each of our markets to help you qualify for the home you want through competitive rates and special loan programs.

Fixed Rate Mortgages
A fixed rate mortgage provides predictable monthly payments and flexible repayment options. It also protects you from rate increases, and is easy to refinance if interest rates go down.

Adjustable Rate Mortgages
With an adjustable rate mortgage you can make lower monthly payments for the first three or five years of the loan, after which your monthly payment is recalculated using current interest rates.

Refinance Opportunities
A refinance loan from CommunityONE can lower your monthly payment, shorten your loan term, and increase the amount of equity in your home. Talk to one of our loan officers to see if refinancing is right for you.

Construction Loans
Having trouble finding your dream home? Build one instead with a construction loan from CommunityONE. We offer a variety of loan options and repayment plans to make building your new home easy and affordable.

Home Equity
With a home equity loan or line of credit, yes you can buy a new car, remodel your home, pay for college, take a vacation, consolidate your debt, and so much more with this smart and affordable way to borrow funds.

Special Loan Programs
CommunityONE offers a variety of loan programs for customers with special needs. High loan to value, fixed rate terms, and no private mortgage insurance are just some of the benefits available to qualifying customers. Contact Mortgage Services for a complete list of programs and eligibility requirements.

Mortgage Loan Checklist
CommunityONE wants your home lending experience to be quick, comfortable and convenient. Yes we can typically make a credit decision within 24 hours when you provide us with the following items and information:
•Most current pay stub within the last 30 days showing year-to-date earnings •W-2 statements for the last two years •Signed personal -AND- business federal tax returns with all schedules for the last two years •Bank statements for all deposit accounts for the last two months (not needed if accounts are with CommunityONE) •Offer to Purchase (sales contract), if applicable •Name, address, and account numbers for Assets (checking, savings, CDs, etc), Debts, and Real Estate Owned •Home and work addresses for the last two years •Check made payable to CommunityONE Bank, N.A., for appraisal and application fees •For refinance loans, copy of the deed, copy of your homeowners insurance policy, estimated annual property tax, and copy of existing note showing agreement and balance (if with another financial company)

2009 CommunityOne Bank, N.A.,