Loans Services
Home State Bank has a variety of consumer lending products to meet all of our customers’ borrowing needs. We offer many choices with competitive rates and flexible terms:
A qualified loan representative will be happy to discuss the loan product that is best suited to any need.
- Home Equity Loans
- Home Equity Line of Credit (HELOC)
- New and Used Motor Vehicles
- Recreational Vehicles
- Loans Secured by a Home State Bank CD or Savings Account
- Unsecured Loans
- Minuteman Reserve Overdraft Protection
To learn more about our loans, scroll down the page to see brief descriptions of all of our lending products.
Interested in a mortgage, home equity loan or line of credit, lot financing, construction, or bridge loan for your residential property? Visit Home State Bank's mortgage center.
Not sure which product would best meet your borrowing needs? Stop by one of our branches and speak with one of our bankers. He or she will be able to answer your questions and suggest one or more alternatives for your consideration. To find an office near you, simply click here.
Home Equity
Loans
Turn your home’s value into a one‑time lump‑sum loan with fixed rates and predictable monthly payments - ideal for large, planned expenses or debt consolidation.
Home Equity Loan Details
Home Equity Lines of Credit (HELOC)
Borrow against your home’s equity with a revolving line of credit - use only what you need and pay interest only on what you use.
Home Equity Line Details
auto & Motorcycle Loans
Upgrade your ride with simple, flexible financing, quick decisions, and personal guidance for new and used vehicles.
Auto & Motorcycle Loan Details
Boat and Personal WaterCraft Loans
Finance your time on the water with competitive rates, flexible terms, and fast, local decisions.
Boat and Watercraft Loan Details
RV, Camper, & Snowmobile Loans
From summer road trips to winter trails, our RV, camper, and snowmobile loans make it easy to finance your next adventure.
RV, Camper, & Snowmobile Loan Details
Cash Secured
Loans
Use your Home State Bank CD or Savings Account as collateral to access funds while keeping your savings strategy intact.
Cash Secured Loan Details
Unsecured
Loans
Do you need to borrow, but don’t have collateral that you want to commit as security for a personal loan? Perhaps an Unsecured Loan is for you.
Unsecured Loan Details
Minuteman Reserve Overdraft Protection
Minuteman Reserve is an overdraft protection line of credit that automatically transfers funds to your checking account when you need it.
Overdraft Protection Details
Senior Class Club