Home State Bank has a variety of consumer lending products to meet all of our customers’ borrowing needs. We offer many choices with competitive rates and flexible terms:

A qualified loan representative will be happy to discuss the loan product that is best suited to any need.

To learn more about our loans, simply click on the product above, or scroll down the page to see brief descriptions of all of our lending products.

Interested in a mortgage, home equity loan or line of credit, lot financing, construction, or bridge loan for your residential property? Visit Home State’s Mortgage Center. Just click Mortgage Center.

Not sure which product would best meet your borrowing needs? Stop by one of our branches and speak with one of our bankers. He or she will be able to answer your questions and suggest one or more alternatives for your consideration. To find an office near you, simply click Locations.
 

HOME EQUITY LOANS
Do you have equity in your home and need to borrow for some worthwhile purpose-home improvements, education or medical expenses, travel, debt consolidation, vehicle purchases, etc.? If your answer is yes, a home equity loan or line of credit may be for you. Both are second mortgages on your home, and offer a variety of options.

Our Home Equity Loans offer:

• A fixed rate of interest for the term of the loan
• Terms up to 10 years
• Stable monthly payments
• Programs available with no out of pocket costs

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HOME EQUITY LINE OF CREDIT (HELOC)
For borrowers that don't know exactly how much they want to borrow, or who would like to have a line of credit available for a variety of needs over time, our Home Equity Line of Credit fits many needs. A HELOC, as the home equity line is often called, provides:

• A variable rate of interest based on the Prime Rate
• 10-year terms
• Interest-only monthly payments
• No closing costs or fees
• A low, nominal annual fee of $50 to maintain the line for the term of the line of credit

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NEW AND USED MOTOR VEHICLES
Whether you are looking for a car, truck, SUV, or motorcycle, new or used, Home State Bank offers competitive rates and a variety of loan products with terms from 36 to 60 months. Our motor vehicle loans include:

• Loans of up to 90% of the value of a new vehicle
• Loans for previously driven vehicles
• A .25% discount from our offered interest rate when automatic payments are set up from a Home State Bank checking or savings account

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BOATS, RECREATIONAL VEHICLES, CAMPERS, PERSONAL WATERCRAFT, SNOWMOBILES, AND MOTORCYCLES
Outdoor activities are important to many people. When you are looking to borrow for that piece of equipment that will maximize your family’s enjoyment in the great outdoors, we can help. Our loan offerings feature:

• Terms from 36 to 60 months for boat, recreational vehicle, or camper loans
• Terms from 24 to 36 months for personal watercraft, snowmobiles, or motorcycles
• Loans of up to 80% for a new purchase
• Loans on purchases of used equipment
• A .25% discount from our offered interest rates when automatic payments are set up from a Home State Bank checking or savings account

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LOANS SECURED BY A HOME STATE BANK CERTIFICATE OF DEPOSIT OR SAVINGS ACCOUNT
Sometimes individuals have a need to borrow, but don’t want to dig into savings, or cash in a certificate of deposit, to meet their needs. If you already have a Certificate of Deposit (CD) or Savings account at Home State Bank, you can use that as collateral for a loan! With this loan, you can:

• Borrow for up to 36 months (or up to the maturity date of the certificate if the maturity is less than 36 months)
• Enjoy stable monthly payments
• Know that the interest rate for the loan will be tied to your earnings rate, and can be as low as our prime lending rate
• A .25% discount from our offered interest rates when automatic payments are set up from a Home State Bank checking or savings account

While Home State Bank offers many different types of loans for consumers, this loan can often help meet a short-term need without tying up other assets, or relying upon another resource.

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UNSECURED LOANS
Do you need to borrow, but don’t have collateral that you want to commit as security for a personal loan? Perhaps an Unsecured Loan is for you.

Qualified borrowers may be able to borrow for up to 24 months on the basis of their signature alone. As with many of our other consumer loans, our unsecured borrowers can receive a .25% discount from our offered interest rate when automatic payments are set up from a Home State Bank checking or savings account.

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MINUTEMAN RESERVE OVERDRAFT PROTECTION
Minuteman Reserve is an overdraft protection line of credit added to your Home State Bank checking account. Anytime your checking balance falls below zero, we automatically transfer money to your checking account up to the balance of your credit limit. With Minuteman Reserve, you can:

• Eliminate the risk and expense of an overdraft
• Easily repay the loan when funds are available

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