Home Loans

Are you searching for a new home? Elsa State Bank can help you understand your home loan options. We offer a variety of flexible home loan products designed to help you meet your goals. Browse and compare the available savings accounts below.

What’s your goal?

When you choose any of our loans you'll enjoy:

Financing the home of your dreams has never been easier.

We offer great solutions for construction loans to help you save time and money.

Construction Loan Options

When building your dream home, it's important to work with an expert in construction lending. Your Elsa State Bank mortgage professional will help you find the construction loan that's right for you. We offer a variety of options, including:

  • One closing at the start of construction.
  • Interest-only payments during the construction phase.
  • Flexible down payment options.
  • A fixed interest rate at the start of construction.

Your home improvement project starts here.

Whether your project is large or small, we can help you get the financing you need.

Home Improvement Loan Options

Our home improvement financing options can help you work on your home now while paying for it gradually. Our team of experts can help you finance your vision. Benefits of an Elsa State Bank home improvement loan include:

  • Competitive interest rates.
  • No prepayment penalties.
  • No hidden costs or fees.
  • No home equity required.

Our staff is here to guide you through the entire home buying process. Find a branch or call us to get started today.

Find a home equity loan with attractive rates and flexible terms.

Finance home improvements or other large expenses.

Home Equity Loan Options

An Elsa State Bank home equity loan is an excellent way to consolidate debt or pay for major expenses. Our loans give you the security of fixed-rate payments and a steady repayment schedule. Other benefits include:

  • Potential tax advantages.
  • No hidden costs or fees.
  • Competitive fixed rates.
  • Flexible terms.

Our staff is here to guide you through the entire home buying process. Find a branch or call us to get started today.

Home mortgage loans made easy.

We offer fast loan processing, competitive rates, and world-class customer service.

Home Mortgage Loan Options

Finding the right lender helps build a solid foundation for successful homeownership. We have the mortgage tools, resources, and expertise to help you make the right decisions. Your options may include:

  • Competitive interest rates.
  • Conventional fixed-rate loans.
  • Adjustable rate loans.
  • First time home buyer loans.