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What Kind of Mortgage Do You Need?

Mortgages can be tricky, especially when people start talking about balloon payments, 30-year fixed, points, pre-approval vs. pre-qualification, non-conforming loans, FHAs, ARMs, available WHEDA Loans and so on. As one of the top mortgage lenders in the area, Oostburg State Bank takes the time to sit down with you to discuss your options, answer all of your questions, and find the mortgage that’s right for you – whether you need a first time home loan, a 30 year fixed rate mortgage, a new construction loan or an FHA loan. Because we’re not just a bank, we’re banking for life.

Pre-Qualified vs. Pre-Approved

Serious buyers should get their financing in place before looking for a home, but which is better – pre-qualified or pre-approval? Many banks offer a quick “pre-approval letter,” which is good, but it’s not an ironclad guarantee of mortgage funding. Unfortunately, for many people this means they think they have a loan in place, only to find out that they can’t get a loan. Qualifying for a mortgage is different. When you ask, “Am I eligible for a mortgage?,” we give you a straight answer. At Oostburg State Bank, we take a look at your whole financial picture and then get you pre-qualified – which means you’re ready to buy. No guessing, no worries.

Buy or Build?

Some people search for the perfect home, others build it themselves. Either way Oostburg State Bank has a lending solution for you. From home mortgages to construction loans, we’ll work with you to make your dream home a reality, with the personal service you can only find at a locally owned bank.

You’ve Got Questions, We’ve Got Answers

Can I qualify for a home loan? What’s the cheapest fixed-rate mortgage available to me? What are some home loan qualifications? Can I get a first time mortgage? Where do I even begin? The best way to get all of your questions answered is to begin a conversation with us by using the form below. We’ll answer all of your questions, and a few you haven’t thought of yet.

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