Sam Giroux

Lending Manager

Central Bank of Boone County
1920 Legends Avenue West
Boonville, MO 65233
p: (660) 882-2325
Email Sam
NMLS# 541797

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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

Sam started with Central Bank of Boone County in February 2000 and has been making mortgage loans for more than eight years. He strives to provide lending options for customers that fulfill their financial goals and fit within their own personalized budget. Sam makes his customers feel like they are his VIPs, utilizing his extensive knowledge of the mortgage industry to give them the most value in an efficient manner. His office is a one-stop shop for any lending need a customer desires. Sam feels he can out-do any mortgage company, “big bank” or credit union by providing customers with a high-value, efficient and personalized loan experience.

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.

 

 

Mortgages 101: Fixed Vs. Adjustable [Infographic]

Making the choice to buy a home is quickly followed by a plethora of other decisions you will have to carry out, like where the house will be located and what you want in your perfect new abode. One of the most important decisions you'll need to make is what type of mortgage works best for you.

This choice is crucial because it will affect your finances for the next few years, if not decades, of your life. There are so many options that first-time homebuyers, or even experienced homebuyers, might feel overwhelmed with the decision.

However, once you understand the pros and cons of the various mortgage options, this decision will be easier for you. (read more...)