Mortgage Resource Center

What do I need to apply?

As you prepare for your appointment with a Hills Bank mortgage lender, bring the following information with you.

  • Most recent paystub with year-to-date earnings
  • 2 most recent bank statements (please include all pages)
  • Previous year W-2's
  • Copy of signed purchase agreement (if applicable)


The following calculators can be helpful resources on the path to home ownership.

Fixed Rate Mortgage
Calculate the principal and interest payments for fixed rate mortgage.

Rent or Buy
This calculator compares the cost of renting versus the real cost of buying a home.

Mortgage Comparison
This calculator will help you compare the total cost of any two or three mortgages. This analysis includes the effect of a tax deduction for interest. If the interest is not deductible, or if you do not want to show the effect of the tax deduction, choose an income tax rate of zero.

Early Mortgage Payoff
Find out how much interest you can save by paying an additional amount with your mortgage payment. The additional amount will reduce the principal on your mortgage, as well as the total amount of interest you will pay, and the number of payments.

When you refinance at a lower interest rate, you usually pay refinancing costs including points, fees, and closing costs. This calculator will tell you if the amount you save in interest will exceed these refinancing costs. The calculated results depend on how long you plan to keep this property.

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.
Visit our blog, for information specific to homeowners from Hills Bank’s experienced lenders.

Mortgage Loan Road Map
At Hills Bank we will walk you through the mortgage loan process step by step with our mortgage loan road map.

Select one of our mortgage lenders to apply for pre-approval, call 1-800-445-5725 (1-800-HILLSBK), stop by any location, or schedule an appointment online with a member of the mortgage team. If you have questions about your loan already in progress, please contact the loan processing department at 1-855-597-2164.