Mortgage Lending at
The Northern State Bank

You can own a home and we can help!  The Northern State Bank can take the stress of out the home buying process and help you determine 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)

  • Down payments ranging from 0% - 3.500%
  • 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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Start planning today!

How much do I need for a rainy day, retirement, my child's education, a dream vacation.

Calculate how much you will need for those special times.

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