Residential Loans

Do you need financing for a new home, second home, vacation home, or retirement home? 

Maybe you want to lower your monthly mortgage payment by refinancing.

Farmers State Bank has that perfect loan product to meet your needs.  We will be happy to provide assistance when you need a loan.  You will benefit from having a loan that is tailored to your needs and your budget, which is what you get with our personalized service. Because we are a locally owned bank, you will have the convenience of quick approval of your loan request. In most instances, we can give you an answer within forty-eight hours of the request.

Contact a loan officer today at a location nearest you to find out which product best suits you.

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Fixed Rate

You can get a variety of long-term fixed rate residential mortgages with Farmers State Bank. You'll be assured that your payment will be the same throughout the term of your loan. Farmers State Bank services the loan right here at home for your convenience. You'll never make a payment to someone you don't know.

Adjustable Rate Mortgage

If you are wanting an attractive rate on a mortgage loan that will adjust periodically to current market rates based on our flexible amortization period, an ARM loan might be what you are after.

Home Equity Lines of Credit

If you own your own home, your best source of money is right under your own roof. Farmers State Bank's Home Equity loan is a revolving line of credit secured by the equity in your home. Interest may be tax deductible (consult your tax advisor). You can use the money for any purpose such as taking a vacation, paying for your child's education, consolidating debt, or remodeling your home. Your options are endless.  These loans are structured so that once it's set, there is no new paperwork, saving you time. 

Home Improvement Loans

Does your house need new siding and windows, a fresh coat of paint, or maybe the air conditioner or furnace needs to be replaced? Farmers State Bank offers intermediate and long-term loans to get you "fixed-up."

Construction Loans

Ready to build your dream home? With a construction loan you will have the money available when your contractor needs it. When your home is completed, we can establish permanent financing based upon prior approval.


You might be able to lower your monthly payments or reduce the amount of time to pay off your current mortgage by refinancing your home with Farmers State Bank.

Error Resolution Request

If you believe an error has occurred on your account, please submit in writing, a brief summary of the suspected error, along with your name and address and identifying account information to the following address:

Information Request

To request information regarding your account, please submit your request in writing along with your name and address to the following address:

Farmers State Bank Loan Department
108 East Adams Street
Pittsfield, IL 62363