Home Loans

We have the lending experts to help with your financing needs

Finance your dream home with a loan from Welch State Bank.

Finance your dream home with a loan from Welch State Bank.

We’re here to help you get home

We are a local bank, with local people who make local decisions. Our home loan experts will visit with you to ensure you are comfortable with your mortgage loan. After helping you set a budget, we provide a pre-qualification letter so you can begin the search for the perfect home sweet home. The loans we offer include:

  • Home Mortgage Loans
  • VA Loans
  • Rural Development Loans
  • FHA Loans
  • Section-184 Loans
  • Home Equity Loans
  • Construction Loans

Home Mortgage Loans

We’re excited to be part of your home-buying journey. Our lending experts will guide you through every step, providing personalized service to ensure your experience is simple and stress-free.

With conventional loans, originated, backed, and serviced by private lenders like us, you’ll enjoy lower costs, more flexibility, faster processing times, and competitive interest rates, as these loans aren’t bound by government guidelines. Let us help make your home ownership dream a reality.

*Not to exceed fair market value

Secondary Market Home Loans

We offer home loan programs with options that require little to no down payment and have more flexible credit score requirements, making it easier for more buyers to qualify.

  • VA Loans: The Department of Veterans Affairs offers loan programs to help service members, veterans, and their families buy homes.
  • Rural Development Loans: Designed to help low-income applicants buy safe, decent housing in eligible rural areas, this program provides payment assistance to improve the applicant’s ability to repay the loan.
  • FHA Loans: FHA loans require a lower down payment and more flexible credit score requirements, making them popular among first-time homebuyers and helping low- to moderate-income families achieve home ownership.
  • Section-184 Loans: Section 184 loans provide financing for American Indian and Alaska Native families, tribes, and housing entities, offering low down payments and flexible underwriting.

Home Improvement Loans

Time for home upgrades? We can help! Our loans make it easy to improve your home, from HVAC and roofing to windows, flooring, and more. Contact us today to speak with a lending expert and start your project!

Home Equity Loans

Need some extra cash? Welch State Bank offers home equity loans and home equity lines of credit. Take advantage of competitive interest rates and the flexibility to use your home’s equity for what matters most. These loans are ideal for:

  • Consolidating debt
  • Business investments
  • Luxury vacations
  • and more!

Construction Loans

Looking to build your dream home? We offer construction loans, bridge loans, and permanent financing to make your vision a reality. With hassle-free financing and bridge loan options available, we’re here to help you every step of the way while you build your new home.

Member FDIC | Equal Housing Lender

Home Buying Resources