Home Loans Focused On You
Your Home. Your Journey. Backed by Local Experts.
Buying a home is one of life’s biggest milestones—and having the right mortgage partner makes all the difference. At Lena State Bank, our experienced lending team is here to guide you through every step, from first showing to final signature.
With deep roots in the community and decades of combined experience, we offer not just home financing—but trusted advice and personal support tailored to you.
Our Tailored Loan Solutions
| Loan Option | What You Need to Know |
|---|---|
| Conventional Loans (Fixed or Adjustable Rate) | A popular choice for qualified buyers. Offers predictable payments with fixed rates or flexibility with adjustable options. |
| Construction Loans | Financing for new home builds or major renovations. Interest-only payments during construction with options to convert to permanent financing. |
| Government Loan Programs | Includes options like IHDA (Illinois Housing Development Authority), Down Payment Plus (DPP), and other grant programs that help make homeownership more accessible with down payment or closing cost support. |