Mortgage Lending at
The Northern State Bank

The Northern State Bank is your trusted local partner for all types of mortgage loans.  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, The Northern State Bank has a mortgage solution to fit your needs.

From purchasing a first home to the vacation property of your dreams and everything in between, our team of experienced lenders offer many different loan options, including:

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

  • These loans feature down payments 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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