Overview

If you are looking to purchase or refinance your home, we offer competitive balloon interest rates as well as 15 and 20 year fixed rates.  Best of all, we do not sell our mortgages so complications and costs in the underwriting and closing process are minimized.

If you are looking to borrow as much or as little as you need, whenever you need it, up to the credit limit established at closing. A home equity line of credit, also known as a HELOC may be right for you.  With a HELOC, as you repay your outstanding balance, the amount of available credit is replenished, which means you can borrow against it again, if needed, throughout your draw period. 

Looking to build your dream home?  Build it with Sidney State Bank! Borrowers can hire a contractor, assist a contractor, or build their own home, making interest-only payments during construction. We offer construction financing with easy conversion to permanent financing upon completion.

Benefits

• Competitive low rates
• Regular monthly payments over a fixed period of time
• Loan decisions made locally by lender/bank
• Closing times on purchases average only 4 weeks.
• A great choice for vacant land and property that may not conform to market standards

• Competitive low rates
• Quick approval
• Borrow up to 80% or less of your home’s value
• A minimum threshold of $10,000 per loan
• Interest only monthly payments
• Five year maturity
• Free check available upon request

• Competitive interest rates 
• Interest-only payments during construction