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Peoples State Bank

Mortgage Loans

We've got a lot of ways to get you home
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Find the right financing - and then make your move

Lock into low interest rates and feel secure that your loan payments won't change for the life of the loan.. The longer the term, the less you'll pay each month. But a shorter loan could save you a considerable amount in interest charges.

  • Competitive rates and low closing costs
  • No purchase price limits (varies with program)
  • Available for homes designed for one to four families
  • Financing for non-owner occupied properties, second homes and condos
  • Refinance your current loan

It's a simple concept. Your loan starts with a low interest rate. After several years, it's adjusted upward or downward based on economic conditions. Annual caps protect you from large rate increases.

  • Competitive rates and low closing costs
  • Down payment is required
  • Available for homes designed for one to four families
  • Financing for non-owner occupied properties, second homes and condos
  • Refinance your current loan

Wisconsin Housing and Economic Development Authority loans feature down payment assistance and other advantages that help Wisconsin residents of modest means buy their own homes.

  • Affordable options for first-time home buyers and current home owners
  • Low down payment requirements
  • Closing cost and down payment assistance available
  • Home-buyers education required

Small towns and farms are the heartbeat Wisconsin and all of America. These federally guaranteed loans are for people who live in rural areas and communities under 10,000 in population.

  • No down payment required
  • Up to 100% financing available
  • For owner-occupied homes only

You don't have to be wealthy to buy a home. FHA and VA loans are backed by the federal government and designed to meet the unique needs of borrowers which can include those who served in the military or individuals without traditional credit history, income or savings for a down payment.

  • Low down payments offered on purchase transactions
  • Flexible income, debt and credit requirements
  • Fixed-rate loans available

Can't find a house that suits your needs? Have one built just for you. Easy repayment terms let you focus on working with the contractor rather than worrying about financing.

  • Competitive rates and low closing costs
  • Choose from a variety of loan lengths and types
  • Pay interest charges only as your home is being built

Did you find that perfect piece of property? We finance purchases of land that is to be used as a home site or for recreational purposes.

  • Competitive rates and low closing costs
All of our Mortgages include these value-added services
  • Simple online application process
  • Pre-approval to help you focus on your house hunting
  • Online banking access to make monthly mortgage payments quickly
  • eStatements to track your balance
  • Interest charges may be tax-deductible (consult your tax advisor)

Request a Pre-Approval

Our pre-approval program allows you to shop for your dream home with confidence, knowing the price range for which you qualify. As a pre-approved homebuyer, you’ll also look much better to potential sellers, which can give you some added clout when it’s time to negotiate price.

Preferred Method of Contact
Please select your preferred method of contact

Additional Information Needed (to be scanned or brought in)

  • Most recent 30 days of paystubs
  • Most recent 2 years of W-2 forms
  • 2 months statements from deposit accounts

All loans subject to approval.