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

Springfield Area- 
Jerry Boster
NMLS-427567
Phone: 217-793-7418
Jacksonville Area- 
April DeSollar
NMLS-525610
Phone: 217-993-7208
Decatur Area- 
Dara Gray 
NMLS-475601
Phone: 217-864-4906
Charleston Area- 
Deana Lee
NMLS-1507119
Phone: 217-512-2351
Bloomington Area- 
Allison Bond
NMLS-1879998
Phone:309-445-6341
 
Prairie State Bank & Trust NMLS ID# 472927
To access NMLS registrants directly please visit this website: (www.nmlsconsumeraccess.org).

Complete an application to start the process today!

Residential Loan Application PDF

Additional Borrower Application PDF

Calculators

Mortgage Calculator

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.

Estimated payment:

Refinance Calculator

Current monthly payment:
Current total loan cost:
New monthly payment:
New total loan cost:
Monthly payment savings:
Total loan cost savings: