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Home Mortgage Products

MHFA - Designed for First Time Home Buyers. Low Fixed Rates and minimum down payment requirements. Income must qualify.

Rural Housing - This program offers a competitive low interest rate and no down payment, loan can include closing costs for qualifying incomes.

Conventional Fixed Rate programs have competitive low rates and minimal down payment requirements. Wells Federal services these loans.

Adjustable Loan programs feature the use of a cost of funds index with a 1% annual maximum change and 5% lifetime cap. This index is more stable than many on the market.

FHA mortgage loans are also available. They feature minimal down payment.

Construction/Permanent Financing is available. This features one-time loan closing costs with competitive rates and easy to work with.

*There are many variations to the above programs to help match your specific needs. Please visit with one of our loan officers to see which program will best meet your needs. You can contact them through this site or call one of them at one of our 8 Southern Minnesota offices.

It's a great idea to research prior to buying a home.  For information on the following topics, please click the link below.

Steps to Buying A Home
Mortgage Application Check List
Tips for Avoiding Foreclosure
Tips for Homebuyers

NOTICE: The loan services are only available throughout the bank's regular service area. Contact the bank for specific information regarding this service area.

Member FDIC, Eaqual Housing Opportunity Lender