Mortgage Solution Experts

MidCountry Bank mortgage experts are here for you!

Whether you're looking for your first home, your fourth or you're simply refinancing. Mortgage consultants at MidCountry Bank understand through experience, training and integrity, your need to feel assured that you are making the right decisions about the best mortgage to support your short- or long-term plan.

MidCountry Bank - a bank genuinely interested in the people we serve, responsive to their needs, and easy to do business with: call, click or come in to work with our mortgage solution experts! We will work to find the right loan for you.

Mortgage Expertise You Can Rely On

We will lead you through the mortgage process every step of the way: How to prequalify for a mortgage, tips on credit and asset analysis, underwriter requirements for approval, and what mortgage products are available to you. MidCountry is here to help. At MidCountry Bank we firmly believe in and stand by the following values:

Integrity

Rigid adherence to a code or standard of values. The foundation of our business at MidCountry Bank.

Honesty

The unwavering practice of truthfulness. Our pledge to our customers.

Fairness

Consistently impartial. Our on-going commitment to you.

Compassion

The practice of listening to the needs of others. Always in our hearts and on our minds.

Excellence

Exceptionally good. Superior. Surpassing expectations. The everyday standard at MidCountry Bank.

Mortgage Products at a Glance

The following is a quick list of mortgage types available to you at MidCountry Bank (visit our MidCountry Bank Mortgage Product Guide for more details):

  • Fixed Rate - A mortgage with a typically common term (payment period) of 15 to 30 years; where your payment is fixed for the term you choose, until you decide to refinance.
  • Adjustable Rate (ARM) - A mortgage with a changeable interest rate, according to a pre-agreement schedule.
  • FHA, VA and RD (Rural Development-USDA) - Government-backed loans with low-to-no down payment requirements and less restrictive debt-to-income ratios (DTI). FHA mortgages require a down payment of 3.5%; VA (Veterans Administration) mortgage loans offer veterans great interest rates with zero down payments; and the RD, or Rural Development mortgage loan, offers up to 102% of the appraised value of the home, which means there is no initial down payment required.
  • 203k - An FHA Home Improvement Loan that is extremely popular, as it allows the borrower to have professional contractual improvements completed on the property, using the mortgage to pay for it, which means no out-of-pocket expenses for the homebuyer. 203k Rehabilitation Loans allow for improvements that range from relatively simple modifications, to the near-complete tear-down of an existing structure (while keeping some portion of the original foundation). The 203k Loan offers up to 96.5% of the appraised value of the property.

Please see our MidCountry Bank Mortgage Product Guide for more details.

Let MidCountry Bank Be Your Powerful Ally in Your Homeownership Journey!

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Minimum and Maximum loan amounts apply. Rates and programs subject to change at any time. Loans subject to borrower qualifications, property evaluation and credit approval. All rates and program guidelines subject to change without notice based on consumer eligibility and marketing conditions. All loans subject to credit approval and compliance with underwriting standards.

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