Mortgage Loans

Make your dreams your reality with a home loan from Western State Bank.

Whether you’re a first time home-buyer, or you’re interested in buying more property, Western State Bank is here to connect you with the funds you need. We offer a variety of mortgage options, each with different requirements. Our home loan products offer low down payment options.

When you borrow through Western State Bank, you’ll have the freedom to choose just how little (or how much) interaction you prefer to have with your lender. If the quickness and efficiency of an online system is what you prefer, we’ve got it. If you’re looking for face-to-face interaction with a local lender, we offer that, too. Visit with a lender in any of our western Kansas locations today.

ITIN Friendly

Have you or a someone you know been turned down for a loan due to not having a social security number? Western State Bank proudly serves customers with ITINs (Individual Taxpayer Identification Numbers). Come talk to us for more details and to determine account qualification today.

Mortgage Loan Products And Loan Options

Mortgage loan products for borrowers looking to refinance or obtain a new home loan. Explore conventional home loans, HELOCs, & construction loans, and solutions for ITIN borrowers.

Apply For A Mortgage Loan

First Time Homebuyers

Tips for Garden City, Dodge City, Colby, Goodland, St. Francis, Leoti and Scott City residents considering homeownership and exploring the home buying process.

Contact A Local Western State Bank Mortgage Loan Officer

TurnKey Affordable Housing Program-- Up to $15,000 in Grant Funds

Western State Bank's TurnKey Affordable Housing Program helps first-time homebuyers with up to $15,000 in grant funds for down payments and closing costs. Learn more and see if you qualify!

APPLY FOR A LOAN

Mortgage Loan Options

Western State Bank is here to connect you with the funds you need. We offer conventional and in-house mortgage loans with low down payment options making home loans possible for individuals with low credit scores or who have ITIN numbers, as well as those seeking financing for a Barndominium, Construction Loan, Home Equity Line of Credit, Refinance, and more.

Explore Home Loan Options

First Time Home Buyers

Homeownership offers a range of benefits, both financially and in regard to lifestyle. However, navigating the complexities of the real estate market can be daunting, especially for first-time homebuyers.

Prepare yourself with our expert tips and learn what to expect during the homebuyer process.

First Time Home Buyer Tips

Mortgage Loan Officers

Keep it local, keep it personal. We are proud to employ mortgage loan officers in each of our banking center communities, ensuring our customers receive face-to-face customer service from individuals they likely already know and trust. Obtain contact information for our mortgage loan officers in Garden City, Dodge City, Colby, Goodland, Scott City, St. Francis and Leoti.

Loan Officer Contact Details

Not sure how to begin the mortgage process?

It all starts with an approval letter from Western State Bank so you’ll know how much you’re approved to borrow. Then you can start shopping! After you’ve found a home and made an offer, you’ll begin the mortgage process with us. Keep in mind the financing process usually takes 30-45 days, assuming all of your documentation is provided promptly. We know you’ll be anxious to get into that beautiful home, so we’ll do everything we can to keep the process moving ahead quickly and efficiently.