Before continuing on to the pre-application:

If you intend to apply for a Home Mortgage Loan, please click here to open the Buying Your Home guide regarding settlement costs and other helpful information. You should save this file or print it for your own records.

For more information on an Adjustable Rate Mortgages (ARM), please click here to open the Federal Reserve's ARMs disclosures.

If you intend to apply for a Home Equity Line of Credit, please click here to open the Federal Reserve's HELOC disclosures. You should save this file or print it for your own records.

All files are PDF format and require the FREE Adobe Acrobat Reader to view them. If you do not have Acrobat Reader, please click the logo to get your free copy.

(Note: All files are under 400KB in size and should take less than 1 minute to download over a standard dialup connection. The Reader program will take longer to download.)

By clicking 'I Agree' below, you are verifying that you have read and agree to be bound by these disclosures. Seaway Bank and Trust Company reserves the right to modify these disclosures at any time.