Mortgage Lending at Northern State Bank

You can own a home and we can help! Our in-house mortgage lending team will take the stress out of the home buying process and help choose the financing that works for you.

When you are ready to purchase a new home, make improvements to your existing home, or even use the equity you have built up to cover a major purchase or expense, we offer many different loan options, including:

Low Down Payment Home Purchase Loans(USDA Rural Development, FHA, HomeReady, VA)

  • In some cases, cash to close can be close to $0
  • Thirty-year fixed rates
  • Borrowers need not be first-time homebuyers

Conventional Purchase Loans

  • Competitive rates and closing costs
  • Cover a variety of real estate purchases including lake homes and recreational land
  • Option for both secondary market and in-bank loans

New Construction Loans

  • Flexible construction terms for building a new home or extensive remodeling to an existing home
  • Tracking of all draws and lien waivers during the construction period
  • Smooth transition from construction to permanent financing

Home Equity Loans

  • Funds can be used for things like home improvement, major purchases, large expenses, or debt consolidation
  • Flexible loan terms
  • Bridge loans/temporary financing options
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