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Residential Mortgage Loans

Residential Mortgage Loans 

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The following employees are registered mortgage loan originators for Scott State Bank 774912:    

Roger Dearman       MLO# 797734          Bethany Location       
Tod Jeffers MLO# 797735 Bethany Location
Philip Meyer MLO# 797736 Sullivan Location
Laura Grider MLO# 797738 Maroa Location
Lucas Williams MLO# 801543 Mt. Zion Location
David Burge MLO# 801541 Decatur Location
Russell Sigmon MLO# 1106876 Decatur Location
Bradley Jackson MLO# 801542 Decatur Location
Christopher Phelps MLO# 417100 Niantic Location

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

Stop by or call any of our banks to request a standard residential real estate credit application.    

  • 217-665-3321    Scott State Bank, Bethany
  • 217-874-2396    Scott State Bank, Dalton City 
  • 217-794-2227    Scott State Bank, Maroa 
  • 217-864-3321    Scott State Bank, Mt Zion
  • 217-728-7722    Scott State Bank, Sullivan
  • 217-668-2334    Scott State Bank, Niantic
  • 217-424-9831    Scott State Bank, Decatur

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.