Michele Hicks

Senior Vice President

Central Bank of Sedalia
301 West Broadway
Sedalia, MO 65301
p: (660) 596-7690
f: (660) 827-2741
Email Michele
NMLS# 539274

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Mortgage Checklist

This checklist can help you gather the documents you need to proceed with the loan.

  • Completed Loan Application and Signed Authorization
  • Homeowners Insurance Declaration Page (If refinancing)
  • Current Mortgage Statement (If applicable)
  • W2s from last two years
  • 30 days pay stub with YTD earnings
  • 2 months current bank statements, all pages
  • Social Security or Pension Awards letters (If applicable)
  • 2 Years tax returns
  • Divorce Decree (If applicable)
  • Trust Documents (If applicable)

Click here for a printable checklist

Michele Hicks, Vice President, has been in banking for 22 years with 18 of those years in the mortgage loan department with Central Bank of Sedalia. Having worked in loan review, loan processing and loan commitments for a title company, Michele brings a wealth of loan experience to Central Bank of Sedalia. She has expert knowledge in the areas of Rural Development, FHA, VA and First-Time Homebuyer loans that not only provides borrowers with loans tailored to fit their needs, but also an anxiety-free process that comes from doing business with someone who can help them understand the loan process.

Calculate Your Future Mortgage Payment

The parts of your monthly mortgage payment include both repayment of the loan principal and the monthly interest on the outstanding balance. A mortgage payment can also include pre-payments on property taxes, homeowner’s insurance and monthly homeowner’s association dues into an escrow account managed by your lender. Calculate your estimated yearly costs below and monthly payment to help you decide how much you can afford.

 

 

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Interest Rate
APR
Monthly Payment
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Down Payment
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More Fixed Rates
 
Interest Rate
APR
Monthly Payment
Principal & Interest
Down Payment
Assumes purchase price of
View assumptions & disclosures