Welcome to Scott State Bank - Niantic - Services / Residential Mortgage Loans

Click here to download and print our residential mortgage loan application

Conventional Loans

Fixed rate and balloon mortgages originated by our banks and serviced by our banks

Flexible terms

Low closing costs

No prepayment penalties

USDA Rural Housing

Fixed rate and "leveraged" loan programs

Guaranteed by United States Department of Agriculture (USDA)

No down payment required

Designed for households with moderate and lower income levels and/or first time homebuyers

Maximum household income is limited and based on family size

Home financed must be located in a USDA approved rural community

No prepayment penalties

Secondary Market Loans

Long term fixed rates

Loans are serviced by Scott State Bank - Maroa which is a FHLMC approved lender

Payments may be made at any of our locations

HOW TO APPLY?

Stop by or call any of our banks to request a standard residential real estate credit application or click here to downolad and print the application.

217-665-3321 Scott State Bank, Bethany

217-874-2396 Scott State Bank, Dalton City Branch

217-728-7722 Scott State Bank, Sullivan Branch

217-668-2334 State Bank of Niantic, Niantic

217-424-9831 State Bank of Niantic, Decatur Branch

217-794-2227 Scott State Bank - Maroa

WE WELCOME YOUR QUESTIONS

Contact any of our loan officers about our residential lending services. We welcome the opportunity to discuss your financing needs and believe you will find our personal service second to none and our closing costs very competitive.