Home Purchase & Refinance

Home State Bank offers in-house financing with competitive rates and friendly customer service to make you feel at home. We can help you with the process and ease the stress to make this an exciting and enjoyable step. Listed are the loan options we offer:

• Conventional Fixed Rate Mortgages
• Minnesota Housing Finance Agency (MHFA) - First Time Home Buyers
• Rural Development - Guaranteed Loans (RD)

For a Home Loan application please contact one of our branches to set up an appointment. We will need you to bring:

• A copy of your most recent payroll stub, showing Year-to-Date Gross figures
• A copy of your two most recent W-2 forms
  (if you are a First-Time Homebuyer three years are required)
• A copy of the last two years Federal tax returns. Copy each page of the return
  (if you are a First-Time Homebuyer three years are required)
• If you are purchasing a property, we will need copies of your two most recent bank statements from each source that will be used for down payment and closing costs