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
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
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
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
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
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
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!

As one of the largest local bank lenders in Central Kansas, BSB offers mortgages that are customized for you.
- Thorough and trusted communication throughout the process
- Quick responses and closings
- Lenders at every office that can help you directly
- Integrity to never lock you into a bad fit
- Wide range of mortgage options to suit your budget, timeline and unique situation
- BSB partners with local government agencies to offer first time homebuyer and rural development programs
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Attractive rates and flexible repayment terms