Home Loan Center

Looking to build or purchase a new home? The mortgage professionals at Panhandle State Bank can help. We offer a variety of different programs* to help finance your dreams. Already in your home, but looking for a lower rate or additional cash? PSB can help here too. We offer refinancing programs* at competitive rates and terms. Whatever your home financing need, our mortgage loan specialists will help you select the best option, then we will ensure your request is handled smoothly and quickly.

To request more information, please e-mail hlc@panhandlebank.com or click to download our loan applications below:

1. Information Disclosure Authorization
2. Uniform Residential Loan Application

Home Purchase Programs*
Buying that new home you’ve always wanted? Let PSB make the financing part easy. We will guide you through the various mortgage options available and find the one that best fits your specific needs. You can choose from a full range of programs. Various terms apply. We finance first-time buyers, vacation homes, condos, and rental properties, as well.

Home Refinance Programs*
We can help you lower your current rate or pull additional cash from your home with a refinance mortgage loan from PSB. A wide variety of terms, rates and other options are available to satisfy your needs.

Home Construction Programs*
Let us help you build your new home. We will guide you through the whole process, from ground-breaking to ribbon-cutting.

Home Equity Loans and Lines of Credit*
Put the equity you've built in your home to work for you.

• Use for a variety of purposes, including consolidating debt, financing home improvements, or paying for a child's education.
• Possibly deduct the interest you pay on your tax return (consult your CPA or tax advisor to determine deductibility).
• Flexible payment structures to meet your individual needs.

* Subject to Credit Approval