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Home Loans

Home Personal Home Loans

Lending Solutions for Your Most Important Investment

Home. It’s where you raise your family, make memories and feel most at peace. Our job is to ensure that the financial side of achieving this part of the American Dream is as smooth and worry-free as possible.

Our lenders have both the practical experience and product knowledge to ensure your solution is a perfect match for your needs.

We offer a number of conventional home loan solutions

These types of home loans will fit most needs, and come with competitive rates:

  • Fixed Rate Mortgages
  • Purchase and Refinance
  • First Time Homebuyers
  • Investment Property and Second Homes

Our lenders also have the flexibility to create a new solution

Not everyone’s home loan needs are the same. For unique needs and financial situations, our portfolio loans give us the ability to develop a more custom solution:

  • Adjustable Rate Mortgages
  • Purchase and Refinance
  • Balloon Payment Loans
  • Home Equity Loans

We can help You with your first home purchase

Madison County Bank works with FHLBank to offer the Homeownership Set-Aside Program (HSP) to assist low and moderate income firt-time homebuyers.

No The HSP provides down payment, closing cost and repair assistance to first-time homebuyers earning at or below 80% of the Area Median Income for households purchasing or constructing homes in Nebraska. The HSP is provided to households as a forgivable grant with a five-year retention period.

  • Application are available Now, Contact us today to get started
  • Maximum subsidy per houshold: up to $15,000
  • Reservations will be accepted on a first-come, first-served basis, subject to member limits through November 29, 2024
  • A 3-5% down payment, plus closing costs is required, and HSP grant funds can be used to help with the down payment.
  • Income limits apply by county.

Building your home? We can help with that too!

From purchasing land and construction to transitioning to a mortgage, our team has the expertise to guide you through the entire home-building process with the right lending solution:

  • Interim Construction Loans
  • Lot Loans
  • Pre-approval for permanent financing
  • Rate protector feature

Get Started Today!

Use our online Mortgage Inquiry Form below to get started.

You can also contact any of our branches or stop by during business hours and ask for a lender to start the conversation about your needs today.

  • Property Address

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