FBT Mortgage A wholly-owned subsidiary of First Bank and Trust
Maybe you're a first time home buyer or an experienced veteran looking to refinance your home. You may be gazing at the blueprints of your home construction project, sketching an addition, or making renovation plans. FBT Mortgage offers a multitude of products to service all of your mortgage needs.
At FBT Mortgage we blend technology with hands on hometown service. We offer competitive rates, exceptional service and financial options focused on customer needs.
Community Lending And First Time Homebuyer Programs
Buying a home is easier than you think with help from FBT Mortgage. We specialize in programs that can help you realize your dream of homeownership including: 100% financing, down payment assistance, low interest bond loans and special help with debt to income issues and those with credit challenges. Call us today so we can help you achieve your dream.
Traditional Mortgage Loans And Those With A Twist
Finding the best rate and program to help you achieve your financial goal is what the mortgage professionals at FBT Mortgage do best. From traditional mortgage products such as Conventional FHA and VA with loan terms from 10 to 40 years or specialty products such as Interest Only or Fixed Rate Arm Loans, FBT Mortgage can find the loan to achieve your goal.
Non Conforming Loans or Non Traditional Financing
At FBT Mortgage we know that you can't always fit a square peg into a round hole so we have mortgages that provide solutions. We offer loans that utilize stated income or no income or assets. We can work through credit challenges and have loans to assist you one day out of bankruptcy if needed. At FBT Mortgage we can work together to achieve the solution that is right for you.
Mortgage Products
FBT Mortgage offers a variety of loan programs to meet your needs.
Loan Types
First Time Homebuyers
Conventional
Non-conforming
FHA
VA
Rural Development
Home Equity Lines of Credit
In-house construction and renovation loans
Property Types
Single Family Residence
2-4 units
Town Homes
Condominiums
Modular Homes
Loan Programs
100% purchase or refinance
100% rural property
No Doc
Stated income/Stated assets
103% to 107% purchase
10 to 40 year fixed
ARM products
Interest only
Bond program
Down payment assistance
Balloon mortgage
Community homebuyer's program
Less than perfect credit programs
Contact Us
Branch
Address
Employee
Position
Phone #
Fax #
Inside First Bank and Trust Branch:
Manhattan
2316 Manhattan Blvd.
Harvey, LA 70058
Alan Couvillon
Loan Officer
504-586-2707
504-361-7760
Algiers
4550 General DeGaulle Dr.
New Orleans, LA 70131
Kiaone Dillon
Loan Officer
504-586-2655
504-393-9916
New Orleans
909 Poydras Street Ste. 100
New Orleans, LA 70112
Cheryl Vanderbrook
Loan Officer
504-586-2799
504-584-5902
Old Metairie
458 Metairie Road
Metairie, LA 70005
George Snyder
Vice President
504-586-2724
504-831-3047
Winona
FBT Mississippi
409 Summit St.
Winona, MS 38967
Christy Bartlett
Loan Officer
662-283-3739
662-283-4606
Pascagoula
FBT Mississippi
1703 Old Mobile Highway
Pascagoula, MS 39567
Bernie O'Sullivan
Loan Officer
228-712-3178
228-769-6078
Biloxi
FBT Mississippi 244 Eisenhower Drive
Biloxi, MS 39531
Mary Sue Caranna
Loan Officer
228-385-3467
228-385-3833
Biloxi
FBT Mississippi 244 Eisenhower Drive
Biloxi, MS 39531
Molly Lionberger
Assistant Vice President, Sr. Loan Officer
228-385-3468
228-385-3833
Inside Peoples Bank Branch:
Hammond
1320 S. Morrison Blvd.
Hammond, LA 70403
Treva Ory
Kerri Doss
Loan Officer
985-340-3977
985-340-3979
FBT Mortgage Offices:
Ocean
Springs
6911 Washington Ave, Ste. B
Ocean Springs, MS 39564
Valerie Galle
Chief Operatons Officer
228-872-1020
228-872-2700
Ocean
Springs
Wendy Palmer
Vice President
228-872-1020
228-872-2700
Ocean
Springs
Curtis Galle
Loan Officer
228-872-1020
228-872-2700
Morgan City
800 David Drive Ste. 106
Morgan City, LA 70380
Shannon Bruni
Vice President
985-384-4184
985-384-4190
Baton Rouge
4307 Bluebonnet Blvd Ste. B
Baton Rouge, LA 70816
Paul Peters
President & CEO
225-706-3426
225-208-1238
Houma
Kim Politz
Loan Officer
985-709-1828
What you'll need to get the application process started
The following checklist will facilitate your mortgage loan interview. The checklist includes most of the information that you and any co-borrower will need to provide. However, some lenders have slightly different requirements, so you may want to contact us before the interview to ensure you bring the correct types of information.
In preparation for your loan interview, review the information below. We suggest you print this worksheet, and then check each box after you've gathered the required data.
Social Security Number/Date of Birth
Paycheck
Most recent pay stub that shows year-to-date earnings.
W-2 Tax Forms
Original copies sent to you by the Internal Revenue Service for the past two years.
Employer Information
Names, addresses, and telephone numbers of employers for the past two years.
Account Information
Account numbers and current balances of checking, savings, and any other accounts.
Current Assets
Individual Retirement Accounts (IRAs), CDs, stocks, bonds, etc.
Personal Property
Value of property including life insurance, retirement accounts, cars, etc.
Liabilities
Auto loans, student loans, credit cards, and other installment debt -- provide name and address of each creditor and the monthly payment and total amount due.
Current and Previous Addresses
If you own a home: Bring the property address, current market value, mortgage lender name, account number, current monthly mortgage payment, and outstanding mortgage balance.
If you're renting: Bring the property address, name and address of the landlord, current monthly rent, and previous address/landlords if you've lived in your current address for less than two years.
Agreement to Purchase
A signed copy and any amendments, a copy of the listing form for the property, the legal description of the property, and receipts for or down payment deposits.
There may be some special situations that require you to supply additional information. These include:
If you are self-employed or work on a commissioned basis, you should bring your federal tax forms for the past two years and a current year-to-date profit and loss statement.
If you are separated or divorced, you should bring a copy of your divorce decree and separation agreement. Also bring documentation on alimony, child support, or separate maintenance payments you are required to make or you receive as income. Proof of this income can be the clerk of court's history of payments or canceled checks for the past year. Note: Alimony, child support, or separate maintenance income need not be revealed if you (or a co-borrower) do not choose to have it considered for repaying this loan.
If you include pension, disability, Social Security, or other public assistance as part of your income, you'll need to bring a copy of an award certificate or a check from the issuing agency.
If you have a bankruptcy, foreclosure, or any judgments against you over the past seven years, you'll need to bring relevant information about the proceedings. Such information includes a copy of the bankruptcy discharge and schedule of both debts and assets. An attorney's letter that discusses the outcome of the proceedings should be included if there are judgments against you.
At FBT Mortgage, we offer competitive rates and financial options focused on your needs. Please call us to discuss your home lending needs today.
