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Residential Lending

Bison State Bank Home Loan Programs

The team at Bison State Bank prides ourselves on our transparent, ethical approach to home financing. We operate only at a local level, which means we intimately know each of the local markets and communities we serve. Buying a home is the biggest financial decision most will ever make in their lives, so it’s our duty to ensure it’s also the best decision. No matter where you are in your home buying journey, we help you find a loan solution that fits not just your budget but your unique lifestyle.

In addition to the typical Conventional home loans that people are most familiar with, Bison State Bank is proud to also be licensed with the Federal Housing Authority (FHA), the Veteran’s Administration (VA), and the United States Department of Agriculture. These licenses allow us to offer hundreds of specialized programs to our consumers, regardless of whether they are buying, refinancing, or renovating a home, or consolidating debt using their equity.

Our aim is to be your trusted partner throughout the complex nature of purchasing, refinancing or renovating a home. Give us a call, stop by the bank, or fill out a full online application begin to discover all of the loan options you have at your fingertips with Bison State Bank!

Buying a New Home

It doesn’t matter if you’re a first-time home buyer or a seasoned shopper – the home purchase process can sometimes be difficult to navigate alone. When buyers find out that there are several loan options to choose from, it can muddy the water even more. But fear not, the team at Bison State Bank will take the time to walk you through the process from preapproval all the way to closing. Our local experts will help you find the financing perfect for your individual situation.

Refinancing Your Home

There are many reasons homeowners decide it’s time to refinance. Loan rates are lower than their current rate, they want to lower their payments, or they need to utilize their current equity position. Whatever your reason for refinancing, Bison State Bank has the knowledge to find a quality solution in a timely manner. Refinancing options include rate/term loans where no money is changed hands, or the home equity refinance loan that allows you access to the equity built up in your home.

Veteran’s (VA) Loans

Active and veteran military members have a unique, low-rate loan at their disposal: the VA Loan. Because military members put their lives on the line – and on hold – it can be difficult to readjust to a lifestyle outside the military. The VA loan can help make home buying a bit easier – and so can Bison State Bank. As licensed professionals with the Veteran’s Administration, we have the expertise to guide veterans through the eligibility process, as well as all of the types of VA loans at their disposal.

Renovating Your Home

Thinking about buying a fixer-upper? Do you know the difference between all of the renovation loan products out there? Bison State Bank loan programs help you get that outdated house into the place of your dreams. There are many requirements to both the Homestyle loan and the 203k loans – and you will need an expert to help you navigate the complexities. Bison State Bank works with your current situation to get you from preapproval to closing and onto the renovations as smoothly as possible. .

Investing in Property

Becoming a landlord, flipping houses or investing in residential properties is a big financial decision, to say the least. Do it with a partner that knows the local markets best and helps you find the right investment opportunities for your budget. The team at Bison State Bank takes a consultative approach to lending, standing by your side through each stage of the investment loan process. No hidden fees or dubious special offers means you get the best rate, every time.

General Loan Guidelines and Requirements (some version of the graphic below)

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Bison State Bank Home Mortgage | NMLS ID 757416
223 Main St. Bison, KS 67520
P: 833-535-2095 | E: homeloans@bisonstatebank.com
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Member FDIC | Equal Housing Lender
NMLS Consumer Access: www.NMLSConsumerAccess.org

 
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