At First Community Bank, we want to help you own the home of your dreams. We have real estate specialists at every location ready to assist you with all your home buying needs. With our competitive rates and great service, we know you'll be pleased. The following are some of the Real Estate Loan products we offer:
In case of errors or questions about your First Community Bank Residential Real Estate Mortgage Loan. Telephone us or write us using the Contact Information listed below as soon as you can, if you think an error has occurred.
Qualified Written Notice of Error
If you prefer a written response, please provide the error in writing. Within 5 days of receiving a written error notice acknowledge receipt of the error notice. We will determine whether an error occurred no later than 30 business days after receiving written notice of the asserted error. If we need more time, we may extend the time period for investigating and responding to a written notice of error by 15 business days; however, we will notify you before the end of the 30 day period of the extension and the reasons for the delay in responding.
If the asserted error is regarding a payoff balance, we will respond no later than 7 days after receiving written notice of the asserted error. If the asserted error is regarding errors relating to foreclosure, we will respond prior to the date of the foreclosure sale or within 30 days of receiving the written notice of error. We may not extend the time period investigating and responding to a written notice of error if the asserted error is regarding a payoff balance or related to foreclosure.
You may ask for copies of the documents we used in our investigation, we will provide such documents at no charge within 15 business days of receiving the requests.
The Qualified Written Notice of Error applies to the following categories of errors:
We are not required to responds to assertions of errors regarding:
Any Notice of Error received verbally is not subject to the notifications and time limits required under a qualified written Notice of Error.
To request information regarding the servicing of your First Community Bank Residential Real Estate Mortgage Loan, write us using the Contact Information listed below.
Your written Information Requst must include:
For the purpose of Information Request, servicing is defined as:
Poplar Bluff North Branch
2911 North Westwood Blvd
Poplar Bluff, MO 63901
Poplar Bluff South Branch
2340 South Broadway
Poplar Bluff, MO 63901
110 West Grand
Campbell, MO 63933
1103 North Douglas
Malden, MO 63836
240 North Walnut St
Bernie, MO 63822
17 South Mount Auburn Road
Cape Girardeau, MO 63701
Hours of operation for receiving Residential Real Estate Loan payments and Credit Line Loan payments are 8:30 am Ė 4:30 pm, Monday Ė Thursday, and 5:00 pm Friday, except bank holidays. All other payments received will be credited as of the next loan operations business day or as otherwise permitted by law. Loan Payments Received Through Online Banking - Payments to a First Community Bank loan initiated through our Online Banking BILL PAYMENT service must be submitted 2 days prior to the delivery date (Not the Preferred Method). Payments to any First Community Bank loan initiated through our Online Banking TRANSFER service must be received by 5:00 pm, Monday - Thursday, and 6:00 pm, Friday, except bank holidays, to be credited as of the date of transfer (Preferred Method). All other payments initiated through our Online Banking TRANSFER service after the above mentioned time frames will be credited as of the next loan operations business day or as otherwise permitted by law.