Home Mortgage Loans

Start relaxing before you even move in!  Whether you’re a first-time homebuyer or a current homeowner looking to refinance, we’ll work with you to find the best home mortgage loan for your budget.

  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Conventional
    • Adjustable rate mortgages (ARMs)
    • USDA Rural Housing Loans
    • FHA Loans
    • VA Loans
    • Second Home or Investment Properties
    • Jumbo or Super Jumbo
    • Reverse Mortgage
  • Additional niche programs available, including Energy Efficient Mortgages — contact us to learn more
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local decision-making and processing
  • Attentive, friendly service from start to finish


NorStates Bank
NMLS# 409347 

James Gitzlaff
Vice President
NMLS# 941502

Kimberly Belue
NMLS# 441333

Construction Loans

Building your home from the ground up is a whole lot easier when you have local experts right around the corner. Go from construction zone to dream home with the help of NorStates Bank.

  • Competitively low rates for your home construction project
  • Available for primary residence or second home construction
  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
  • Pay off interest quicker; payments are interest-only during construction phase
  • Payments are made on the amount drawn on your loan sufficient to pay your builder
  • Construction draws applied in stages based on work completed

You’re so close — start the application process!