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Loan ProgramsLearning CenterMarket UpdatesAbout Ask ShaneTell me about your scenarioStart a full application

  1. Your goal
  2. The property
  3. Financing
  4. About you
  5. How to reach you

Tell me where you are and what you’re working toward. You’ll review your answers before sending.

Check the highlighted fields

    What are you trying to do?

    What are you hoping to figure out?

    Select all that apply.

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    Is there a specific property involved?

    Where is the property?

    Adding a county can make this more precise. Select one if you know the county.

    State suggestions adapted from GeoNames, CC BY 4.0. Confirm the property State; postal data does not verify its location.

    What type of property is it?

    Where is the property you’re considering?

    Adding a county can make this more precise. Select one if you know the county.

    State suggestions adapted from GeoNames, CC BY 4.0. Confirm the property State; postal data does not verify its location.

    What type of property are you considering?

    Do you currently own any real estate?

    Do you currently have a mortgage or HELOC on any property you own?

    What are you planning to do?

    What’s the situation with the land?

    What’s the situation with the home?

    Where are you planning the project?

    Adding a county can make this more precise. Select one if you know the county.

    State suggestions adapted from GeoNames, CC BY 4.0. Confirm the property State; postal data does not verify its location.

    What are you planning to build?

    What type of property are you considering?

    How many units are you planning?

    How many units does the property have?

    How many units are you considering?

    Select all that apply. “Not sure” clears the other selections.

    How will you use the property after the project is complete?

    About what land purchase price are you considering?

    Enter an amount, use the slider, or choose I’m not sure.

    About what is the property worth today?

    Enter an amount, use the slider, or choose I’m not sure.

    About how much do you expect the project itself to cost?

    An estimate is fine. Don’t include the cost of buying the land or home.

    Enter an amount, use the slider, or choose I’m not sure.

    Where are you in the buying process?

    Where are you looking to buy?

    Adding a county can make this more precise. Select one if you know the county.

    State suggestions adapted from GeoNames, CC BY 4.0. Confirm the property State; postal data does not verify its location.

    What type of property are you considering?

    For a 2–4 unit property

    How many units are you considering?

    Select all that apply. “Not sure” clears the other selections.

    How will you use the property?

    About what purchase price are you considering?

    Enter an amount, use the slider, or choose I’m not sure.

    How much are you planning to put down?

    Enter dollars or a percentage. Changing either updates the other when the purchase price is known.

    Estimated loan amount

    What are you hoping to accomplish?

    Select all that apply.

    What are you hoping to do with your home equity?

    Select all that apply.

    Where is the property?

    Adding a county can make this more precise. Select one if you know the county.

    State suggestions adapted from GeoNames, CC BY 4.0. Confirm the property State; postal data does not verify its location.

    What type of property is it?

    For a 2–4 unit property

    How many units does the property have?

    How do you use the property?

    Is this your primary home?

    About what is the property worth today?

    Enter an amount, use the slider, or choose I’m not sure.

    Do you currently have a first mortgage on this property?

    Your existing first mortgage

    Approximate balance on your first mortgage

    Enter an amount, use the slider, or choose I’m not sure.

    Your current interest rate

    Is your rate fixed or adjustable?

    Do you currently have a second mortgage or a HELOC on the property?

    Your existing second mortgage or HELOC

    Approximate balance on it

    Enter an amount, use the slider, or choose I’m not sure.

    About how much would you like to access?

    Enter an amount, use the slider, or choose I’m not sure.

    What are you hoping to accomplish with this refinance?

    Select all that apply.

    Where is the property?

    Adding a county can make this more precise. Select one if you know the county.

    State suggestions adapted from GeoNames, CC BY 4.0. Confirm the property State; postal data does not verify its location.

    What type of property is it?

    For a 2–4 unit property

    How many units does it have?

    How do you use the property?

    About what is the property worth today?

    Enter an amount, use the slider, or choose I’m not sure.

    Approximate balance on your first mortgage

    Enter an amount, use the slider, or choose I’m not sure.

    Your current interest rate

    Is your rate fixed or adjustable?

    What kind of loan is it now?

    Because your current loan is a VA loan

    Are you the veteran or service member on the loan?

    Do you have a second mortgage or a HELOC on the property?

    Because you have a second lien

    Approximate balance on it

    Enter an amount, use the slider, or choose I’m not sure.

    Because you have a second lien

    Was the second mortgage or HELOC used to help purchase this home?

    Because you have a second lien

    Roll it into the new loan?

    Because you want cash out or to pay other debt

    About how much would you like to take out or use to pay other debt?

    Enter an amount, use the slider, or choose I’m not sure.

    About what is your credit score?

    Credit scores range from 300 to 850. An estimate is fine.

    Will anyone else be applying with you?

    Other people applying with you

    About what is the lowest credit score among the other people applying with you?

    Credit scores range from 300 to 850. An estimate is fine.

    How is the household income earned?

    Select all that apply.

    W-2 income details

    Does any of the W-2 income include these?

    Select any that apply.

    About how much is the household’s income before taxes?

    Have any mortgage payments been 30 or more days late?

    Most recent late payment

    Have you had any of these in the past several years?

    Select all that apply. “None of these” and “I’m not sure” clear other selections.

    Bankruptcy details

    What type of bankruptcy was it?

    Foreclosure details

    Short sale / deed-in-lieu details

    How would you like me to follow up?

    This section is unavailable

    Please contact Shane directly.

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    Review. Here’s what you’ve told me

    Change anything that looks off. Nothing has been sent yet.

    Some answers need attention

    Please review the highlighted fields before sending.

    Check the highlighted answers

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        Your answers are preserved

        Thanks. I’ve got your scenario.

        Reference confirms that your scenario was received. It is not an approval, pre-approval, rate lock, credit decision, or commitment to lend. I’ll follow up using your preferred contact method.

        Sending this form is an initial mortgage inquiry. It does not by itself constitute a completed mortgage application and is not a pre-approval, rate lock, credit decision, or commitment to lend. If you decide to apply, you can continue to the secure mortgage application.

        By providing your phone number and submitting this form, you consent and provide your electronic signature authorizing PBT Bancorp and its representatives, including Shane Milne, to contact you at the number provided by call or SMS/MMS text message, including through automated dialing technology and prerecorded, artificial, or AI-generated voice messages for marketing purposes. Consent is not required to obtain products, services, or financing from PBT Bancorp. Message and data rates may apply. Message frequency may vary. Reply HELP for help or STOP to opt out. See PBT Bancorp’s Terms of Use and Privacy Notice.

        Shane the Mortgage Man

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        Originating since 2002.

        949-322-3616 [email protected]

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        Mortgage loan officer with PBT Bancorp NMLS 257781

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