Merchants State Bank Your hometown bank since 1899
Internet Banking
What's New
Online Services
About Us
Contact Us

Residential Real Estate & Home Improvement 



house sold


Merchants State Bank can help make your dream home a reality.  Our experienced lenders will find the right home financing for you, whether that includes buying a home, building a home, or making improvements on one you already own. 

Our lenders work with you through all stages of the home-buying process, from filling out the application to the appraisal and inspection and through the closing.  Merchants State Bank prides itself on making local loan decisions on all applications.  We are not a formula lender, allowing us to offer you more lending opportunities.  Because we are a locally-owned and run bank, we can offer our services with minimal fees and little to no down payment.

Some other benefits of our lending program include in-house servicing and no prepayment penalties.

Merchants State Bank offers the following Residential Real Estate and Home Improvement loan options:

    1. Installment Loans: for home purchases, home improvements, refinancing, home equity, and manufactured housing
    2. Construction Loans: to build your home

Contact us for information on current rates and terms.



For your convenience, we are providing you with several online loan calculators to assist you in your financial planning.


[ Home | What's New | Rates | Products | Services | Online Services | About Us | Contact Us ]
Browser Requirements
Privacy Policy  |  Notices, Terms, and Conditions
contact us calculators rates check reorder