RESIDENTIAL REAL ESTATE LOANSWhether you are buying your first home, building a dream retirement home, or refinancing your existing one, we have the information and solutions you need to make a sound home financing decision. Check rates, perform calculations, gather information, and even apply for a loan when you want and where you want, all at your convenience. - Home Purchase
- Home Equity (2nd Mortgage)
- Home Improvement
- Home Construction
Conventional Loans We have many products to choose from: - Up to 90% Loan-to-Value (private mortgage insurance may be required)
- Balloon loans with as little as 20% down payment
- Second home purchase with as little as 20% down payment
- Construction and Lot Loans
A variety of loans with optional features provide a perfect fit regardless of your needs: - One-time "construction to permanent" closings available
- Interim construction loans with permanent financing available
- Lot loans with loan to value ratios up to 75% of purchase price
Pre-Approved Loans Give the real estate purchaser added bargaining clout in the negotiations by obtaining their mortgage credit approval before signing the sales contract. The only cost incurred is for a credit report. Non-Traditional Financing For those individuals with less than perfect credit, we offer several different financing programs at competitive rates. We also offer special loan programs for people that meet certain income requirements. Click here for our loan rates information. Contact a Farmers State Bank representative at (785) 543-5199 or email us for more detailed information on Real Estate loans. Mortgage Loan Officers
Doug Vahle MLO 759074
Beau Van Loenen MLO 1068443
Rodger Van Loenen MLO 759075
Kevin Pinkerton MLO 2156879
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