Mortgages Made Easy

Whether you are building, buying or refinancing a home, the right loan makes the whole process easier. Bennington State Bank offers a wide range of mortgage lending solutions to help meet your specific needs, whether you are buying your first home or building your dream home. We are here to help you determine the right loan option for your situation.

Home Loan Options

Fixed Rate Mortgage

Predictable and steady monthly payments with flexible loan terms. 


Fixed rate is ideal for long-term home ownership

  • Great rates and flexible terms

  • Fixed rates offer rate and payment security

  • Principal and interest will not change over time

Adjustable Rate Mortgage

Flexibility and initial lower payments and interest rates


Ideal for short-term home ownership plans

  • Lower initial interest rate and payment

  • Flexible terms based on your needs

  • Ideal if you expect interest rates to remain stable or decline

First Time Homebuyer

Excellent terms, rates, and down payment options for your first home!


We can help you finance your first home

  • Helps income-eligible households purchase their first home

  • Provides down payment assistance

  • Several government programs available

Rural Development

Mortgage programs for defined rural service areas


Champion of Rural Housing award winner!

  • USDA sponsored program is ideal for home buyers looking to purchase in rural areas

  • Income and rural defined area requirements

  • BSB lenders are knowledgeable in criteria

Construction Loan

Our flexible construction loan programs make financing easy.


You build the house, we lay the foundation.

  • Range of fixed and adjustable rates available

  • Loans give you several months to complete construction

  • Easily set up to get funds as you need it

FHA Loans

Eligible borrowers can get into a home easier with less money


Ideal for first time homebuyers

  • Backed by the Federal Housing Administration with great rates and flexible terms for lower-income borrowers

  • Low down payment options available

  • Limited closing costs

VA Loans

VA Loans help veterans and eligible spouses get a mortgage easier


Great rates with low down payment 

  • Loans guaranteed by the Dept of Veteran Affairs

  • Use for buying, building, or remodeling

  • Competitive interest rate, and no/low down payment

Contact a BSB Lender

Our friendly BSB Lending experts will help you understand and navigate the home-buying process.

We look forward to working with you!

BSB Lending Team
Home mortgage lender, best home loans in central Kansas, best rates, local service, custom mortgages, trusted lenders, expert advice

For all products and services listed within, additional fees and rules may apply. Please contact a Bennington State Bank Account Representative for Product and Service Disclosures, Agreements, and full details.