Think of us as your home team.
Buying a home is a big move. As your local, reliable full-service bank, we’re here to help. We offer a wide range of loans with competitive rates and outstanding personal service. Whether you're buying, refinancing or building a home, you can take comfort in working with us.
Fixed Rate Mortgage
With this traditional choice, the interest rate is fixed for a long term loan.
Adjustable Rate Mortgage
ARM’s offer lower initial rates than fixed-rate loans. After a specified period of time (usually 1, 3 or 5 years), the interest rate can change according to market conditions. Rate caps are in place to protect you in a rising interest rate market and your rate can decrease when interest rates fall.
We’ll work with you and your general contractor on financing, providing you with funds to buy a lot and/or build a home.
Developed Lot Loans
If you want to buy a developed lot to build on later, this could be the loan for you. The terms and amortization period are flexible to keep costs in line until construction begins.
Rural First-time Homebuyer Program (RFHP)
This program helps people in rural areas buy their first home. Homebuyers can use the funds for down payments, closing costs and qualified home renovations. To be eligible, homebuyers must meet certain income criteria, complete a homebuyer education/counseling program (offered by the Bank), and provide a minimum down payment. Check with our Mortgage Loan Specialists at 308-384-4840 for further details and availability of funds.
Nebraska Energy Saving Loans
This low-interest loan program offers financing for improvements and systems that save energy dollars. Loans cover improvements to appliances, insulation, windows, doors, weather stripping, high efficiency heating/cooling, water heaters, thermostats, lighting and more. Check with our Mortgage Loan Specialists at 308-384-4840 for more details.
Automatic Payment Draft — Each month we can deduct your mortgage payment from your savings or checking account.
Escrow Services — Monthly escrowing can help you save for annual lump sum payments such as real estate taxes, insurance premiums, etc.