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Mortgage Loans

Buying a home is the largest and most important investment most people make. MidCountry Bank is capable of providing you with a variety of mortgage products designed to meet your personal needs.

Individual Financing

  • Purchase a home or refinance your existing home
  • Fixed Rate, Balloon or ARM Loans, Conventional, FHA,VA, Rural Development, Non-Conforming/Jumbo Loans, and First Time Homebuyer Loans
  • Home Equity Loans & Lines: Avoid the paperwork and use the same documents from your mortgage loan.
  • Conventional Loans have a fixed rate and monthly payment for the entire life of the loan. It's easy to budget for this type of loan because your payment will always be the same.
  • Adjustable Rate Loans usually start with lower rates than conventional loans. We'll let you know how much the rate can be adjusted over the life of the loan, so you'll know from the beginning the absolute maximum amount you would ever have to pay. If you will be moving in a few years, or if you think interest rates will be going down, you'll want to consider an adjustable rate since monthly payments may be lower.
  • FHA Loans offer lower interest rates, require a relatively small down payment, and are insured through the Federal Housing Administration.

Is Refinancing Right For You? Generally, it's a good idea to consider refinancing whenever the interest rate for mortgages is more than two percentage points below your present rate. Whether you apply with us for a new mortgage to buy the home you want, or to refinance your present mortgage, ask about a Home Equity Credit Line. It can help you save on fees when you apply; interest only when you want to borrow money; and, on taxes at the end of the year. For more details, speak to one of our mortgage loan experts at 1-800-255-6795.

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Convenient Services

  • Competitive rates & fees
  • Pre-approval
  • Pre-qualification
  • Evening & weekend appointments
  • Automatic Payment Plan

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Mortgage Payment Table Calculator 

Compare payments on principal amounts and rates.

 

  
Online mortgage application coming soon

 

All loans subject to credit approval and compliance with underwriting standards.