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Home Loans

Whether purchasing, refinancing or improving your home, Home State Bank can develop a plan just for you! We have a wide variety of options, beginning with our uncomplicated, low cost, flexible adjustable rate, Hometown Loan, or competitive long-term fixed rate financing options. Our extensive knowledge of the local housing market and our relationship with the area realtors and attorneys can make the process easy for you!

  • Individual financing is available to purchase a home or refinance your existing one
  • First time home buyer, VA, Rural Development, Fixed rate, balloon, or ARM are a few of the choices we offer
  • Adjustable rate loans work great if you think you will be relocating in a few years or in a time when interest rates appear to be dropping because your payments may be lower. We will let you know at the beginning how much the rate can be adjusted over the life of the loan

Thinking about refinancing? It is generally a good idea to consider if the interest rate is more than two percentage points below your current rate. Maybe a Home Equity Line of Credit will meet the needs you face. You only pay interest when you borrow money on the HELOC and you possibly could save money on your taxes at the end of the year. Please consult your tax professional to see if you qualify for the mortgage interest deduction


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