Mortgage Loan

Mortgage Loans


The lending process can be overwhelming, and our friendly lending team is here to help guide you through the process. Our experienced lenders can help find a loan product that is well suited to your particular needs. We offer the following mortgage products:

Fixed Rate

Have the assurance that your principle and interest payment will remain consistent over the life of your loan. Terms of 15, 20 and 30 years are available through Freddie Mac (FHLMC). Shorter terms are also available.

Balloon Mortgage Loans

This product is designed for non-conforming, non-traditional borrowers for owner-occupied housing. Balloon mortgage loans still offer competitive rates and terms as an alternative to fixed rate financing. Loan-to-value limits and amortization terms may vary.

Bridge, Lot, and Construction Loans

A variety of loan products available to buy your new home, purchase land for a future building site, or build your dream home. Call us to discuss these specific loan products.

Home Equity Loans

Put the equity in your home to work for you with a home equity line of credit. Use the money from your home’s equity for home remodeling, a room addition, pay off high-rate credit cards, take a much needed vacation, or any other purpose you may desire. Funds can be accessed by check or transferred straight to your checking account as needed.

Contact our lending department at 618-498-6466 to discuss any of these loan options or simply click on the Apply Now button to take you to our online mortgage center. Jersey State Bank is on your side – so let’s get started!