• Home Equity Loan/Line of Credit
• Home Loan Financing Checklist
  
  

REAL ESTATE LOANS
Make your dream of owning a home a reality with a loan from Western State Bank! Whether you're building, purchasing, or refinancing your home, our Real Estate Bankers will make the process easy, from pre-approval to closing, personally guiding you each step of the way.

Our most popular home loan program includes:

• Up to 100% financing
• Fixed rates (variable rates are also available)

Loans For First Time Buyers

• 100% financing = No down payment
• Educational classes available (check your location) - topics covered:
  • The maximum house payment for your budget
  • Credit Bureau Reports
  • Closing costs
  • How to check out the structure of the home
  • How to shop for homeowners insurance
  • Realtor responsibilities

What’s my first step to pre-approval?

• Gather information with the Home Loan Financing Checklist.
• Make an appointment to meet with one of our Real Estate bankers for FREE pre-approval consultation.

Thanks for giving us the opportunity to provide you with some information about home financing. Let the DREAMS continue until they've become realities!

CONTACT A REAL ESTATE BANKER:

• Devils Lake - Sheila Windjue 701-662-4936 or (toll free) 888-662-4936
• Towner - Alan Mathern 701-537-5441 or (toll free) 800-341-5492
• West Fargo - Casey Smith 701-277-5003 or (toll free) 877-846-9345
  
• Fargo - Nate Monson, Matt Thomason, and Brett Johnston 701-356-9800 or (toll free) 866-356-9800

NOTE: It is Western State Bank's policy not to accept loan applications from individuals or businesses located more than 60 miles from our Devils Lake, Towner, Fargo or West Fargo bank locations, unless the applicant is a present customer or has made prior arrangements with a bank officer. If you are outside of the area defined above and would like us to consider a loan for you, please contact one of our lending officers.

† Insurance Products are not FDIC insured.
* The application is in Adobe Acrobat format. If you do not have Adobe Acrobat, click the following picture for a free download. After completing the application, please bring it to the nearest Western State Bank location.