Loans — Real Estate

Competitive Real Estate Loans

Farmers State Banks offers loans on residential, commercial and bare land. For residential loans, we can either hold your loan in-house or offer long term fixed rate financing through our mortgage services division. If you would like contact information on our Mortgage Services, click here.

Remember, consumer loan and mortgage loan applications are available on this web site.

Construction Loans

Farmers State Bank offers a short term loan to enable you to build your dream home. After the construction phase, we can provide the permanent financing, thereby reducing duplication of some costs such as appraisal, title policy and other fees.

Long Term Real Estate Loans

Farmers State Bank offers loans with varying maturities that have a fixed or variable rate of interest. By providing these options, we are able to offer you the flexibility to best fit the payment into your monthly budget. Down payment requirements are available from 0%. Stop by and talk to our real estate loan department in Victor (642-3431), Lolo (273-3300), or submit an application for a fixed or variable rate loan online. We can meet with you at any of our locations and help you determine the best way to structure your loan.

Home Equity Lines of Credit

Farmers State Bank offers you the ability to use the equity in your home to pay for expenses ranging from home improvements to vehicle purchases, vacations or education. Your home provides the security for the loan, which, in many cases, allows you to deduct the interest that you pay on this type of loan. (Please verify with your accountant to see if it is tax deductible for you.) Give us a call at any of our locations or apply online.