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Getting a mortgage loan, or home loan as some would say, can sometimes seem overwhelming. When you work with the experts at Belmont Savings Bank, we walk you through the steps of how to get started with your home loan. Whether you have questions on how to apply for your loan, or how to get financed, our team of experts will work with you to keep the application process simple and easy.

We offer Fixed and Adjustable Rate Mortgage Loans with a variety of terms in Barnesville, Bellaire, Powhatan Point, St. Clairsville, Wheeling, and throughout the Ohio Valley. The servicing of your loan will always be kept local.

Apply Online

Below is a checklist of documents you need to help start the application process:

  • W-2's for the last two (2) years for all applicants
  • Tax return for the last two (2) years for all self-employed applicants
  • Most recent paycheck stubs (minimum of 2) for all applicants
  • Drivers license for all applicants
  • Verification (award letters, check stubs, etc.) showing other income you want us to include on your application, such as Social Security benefits, childe support, alimony or trust income
  • Bank statements for the past 30-days for all applicants
  • A copy of your most recent mortgage statement (refinances)
  • A copy of your homeowners insurance declaration page (refinance)
  • If you are purchasing a home:
    • Name and phone number of realtor, or if you are buying directly from the seller, the name and phone number of the seller
    • Copy of a sales contract signed
  • Copy of current tax bill or parcel number of the real estate

Relax. We treat you like family.

BSB First Responder Special Mortgage Program 

  • Benefit from 0% down payment and 100% financing, with no PMI.
  • 30 Year Fixed Rate = 6.750 %;  APR = 6.830%; LTV =100%; Credit Score of 700+

*APR=Annual Percentage Rate. Refi ineligible for 100% financing. Rate is for Credit Scores 700 and above. Application fee is $300. Required inspections include pest  (mandatory), and septic/well if applicable. All loans subject to credit approval. Rates subject to change without notice. Rate valid 2/6/24. Offer valid on purchase only.

Mortgage Options 

  • 100% financing available*
  • No PMI
  • No maximum loan amount
  • Must be owner occupied

*All loans subject to credit approval.

Our Experienced Mortgage Loan Officers

Click on a headshot below for more information on our Mortgage Loan Officers!

Troy Johnson Troy Johnson
Mortgage Loan Officer - Bellaire Office NMLS# 746413
Rich Silverio Rich Silverio
Mortgage Loan Officer - Bellaire Office NMLS# 768629
Susan Cook Susan Cook
Mortgage Loan Officer - Barnesville Office NMLS# 746362
Susan Brown Susan Brown
Mortgage Loan Officer - Saint Clairsville Office NMLS# 562407