Mortgage Loan Center
Mortgage products that make you feel at home.
Prairie State Bank & Trust is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
There is no denying the home buying process is complicated but we’ll be with you every step of the way and walk you through the entire process.
Learn more about Residential Lending
Our Mortgage Lending team's goal is to save you time and money, while simplifying the process along the way.
- Competitive rates for home purchase or refinance
- Available for primary residence, second homes, vacation homes, or investment properties
- A wide range of financing programs available:
- Fixed Rate Mortgages
- Conventional Mortgages
- FHA & VA Mortgages
- Construction to Permanent Mortgages
- Helpful loan advisors with working knowledge of the local real estate market
- Free pre-qualifications to ensure you can secure the financing you need
- Refinance your current home to potentially lower your rate
- Detailed, attentive service from start to finish
Meet our Residential Lending Team
Prairie State Bank & Trust NMLS ID# 472927
Complete an application to start the process today!
Residential Loan Application PDF
Additional Borrower Application PDF
Use this calculator as a starting point in your home buying research. It can give you a general idea of what to expect, and lets you compare different scenarios.
Current monthly payment:
Current total loan cost:
New monthly payment:
New total loan cost:
Monthly payment savings:
Total loan cost savings: