Residential Mortgages

Mid America Bank takes pride in being a local hometown real estate lender.

Whether you are looking to purchase your first home, remodel your current home or build your dream home, we have a product to fit your needs.

We are proud to offer a wide variety of products, including:

  • Conventional loans for purchase or refinance
  • FHA loans for those with smaller down payments
  • VA loans for veterans seeking financing
  • USDA loans for those looking to buy in rural areas or small communities
  • Jumbo loans for financing the purchase or refinance of large homes
  • Construction loans
  • Home improvement loans
  • Home equity line of credit
Money

Do you get tired of large banks selling your loan?

Do you want to know who you’re sending your payment to? Do you want to speak to a real person when you have questions about your mortgage? Mid America Bank services a majority of our loans in-house.

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How to apply

To apply for a loan, contact a loan officer at any of our three branches. Click here for a list of information you will need to complete an application. Many times, same day approval can be made with a completed application.  

Homebuyer Programs

We participate in several different homebuyer programs. The most common is a program for first-time homebuyers. The programs are subject to availability of funds through various government agencies and they all have different underwriting requirements. It is easiest to speak with one of our loan officers to determine whether you could benefit from any of the available programs.