Home Loans
Great Plains State Bank Home Mortgage Loans
Great Personal Service with lending experts to guide you through the process.
Mortgage: Purchasing & Refinancing Loans
Buying a home is one of the biggest purchases you will make in your lifetime. Whether you are a first-time home buyer or a homeowner currently, we offer the flexibility of a suite of mortgage options; Conventional Fixed Rate Loans, Government Sponsored Loans (FHA/USD and NIFA-Nebraska First-time Homebuyers loan program). Our community bank team will partner with you through a variety of purchasing or refinancing solutions that meet your unique goals in an easy and affordable way.
First Time Home Buyers
If you are buying a home for the first time, the process can be a bit overwhelming. With Great Plains State Bank as your partner, there is no need to worry. We are here to navigate the process with you every step of the way. There are several loan options available to you.
Loan Options
Conventional Loan
A conventional loan is the most common mortgage for qualified buyers.
FHA Loan is backed by Federal Housing Administration.
FHA offers flexible lending standards that help make homeownership possible for borrowers who do not have a large down payment saved.
VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs.
The loan is a mortgage for U.S. military active-duty service members, veterans, or eligible surviving spouses. VA loans offer advantages including low-interest mortgage, no down payment or mortgage insurance added and closing costs are generally capped and may be paid by the seller.
USDA Rural Development Loan is backed by the United States Department of Agriculture: Rural Development.
USDA loans helps make dreams of homeownership come true. It is offered to low-and moderate- income families living in the rural areas that meet certain income limits to qualify. Certain exceptions may apply.
NIFA Loan – Nebraska Investment Finance Authority.
Nebraska First-Time Homebuyer loan program offers a variety of programs that include government and conventional loans products. There are maximum household income and purchase price limits. Certain exceptions may apply.
Our team can help you with any of your mortgage needs including a primary residence, vacation home, or an investment property.
By completing a mortgage application and gathering a few items this will give you peace of mind knowing what home value best fits into your budget. Contact our mortgage team for more details and let us help you determine what best fits your needs. Call us today.
Great Plains State Bank Home Construction, Home Equity, Home Equity Line of Credit (HELOC) Loans
Great Personal Service with lending experts to guide you through the process.
Construction
Building a home is an exciting time full of possibilities. Let Great Plains State Bank partner with you to finance the construction of your dream home. Our team will guide you every step of the way through the process from the start of construction through permanent financing. We will be your partner on the path toward accomplishing your dreams.
Home Equity Line of Credit (HELOC), Home Equity
Use the equity in your home for major expenses with a Home Equity Line of Credit (HELOC) or Home Equity Loan. If you need some extra spending money for a vehicle, home remodeling project, college expense or consolidating high-interest debt, our team is here to help.
Contact our team today for your lending solutions.