Personal Loans

Summary

• Competitive interest rates for home purchase, refinance, or construction
• Available for primary residence, second homes, vacation homes, or investment properties
• Terms customized to your unique situation
• Free pre-approval for extra confidence when it comes to securing financing
• Experienced Loan Officers with working knowledge of the local real estate market
• Helpful, customized service throughout the entire process

Employees Registered with NMLS

Farmers State Bank of Calhan employees registered with The National Mortgage Licensing System Registry

Farmers State Bank of Calhan – NMLS #522788

Getting Started

Below is a list of the information that you will need to provide to apply for a vehicle.

• A recent paystub
• The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Competitive interest rates for ongoing expenses:
  • Debt Consolidation
  • Medical Expenses
  • Renovation projects
  • And much more!
• Direct, anytime access to funds without reapplying
• Revolving credit — when you repay, your limit is replenished for future borrowing
• Affordable payment plans
• Only pay interest on the part that’s used
• Prompt, local decision-making and processing
• Detailed, attentive service from start to finish

Getting Started

Below is a list of the information that you will need to provide to apply for a Line of Credit. This information enables us to better understand your business and how it operates.

• The last 3 years Personal Tax Returns
• The last 3 years of Business Tax Returns (if a separate return is filed)
• Current Financial Statement
• Personal Financial Statement

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Build your dream home affordably
• If the land is owned and some equity is assumed, FSB can finance 80% of the as-completed appraisal
• If the land is to be purchased with the construction loan, FSB can finance 80% of the as-completed appraisal or 90% of the hard costs, whichever is less
• Competitive fixed interest rates
• 12-month term with interest only payments
• Loan fees and closing costs can be financed into the loan
• Maximum 45% debt-to-income ratio to qualify
• Local decision making, underwriting, and processing

Getting Started

Below is a list of the information that you will need to provide to apply for a Construction Loan.

• Plans and cost estimates (if available)
• A recent paystub
• The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Competitive interest rates for a wide range of home improvement projects
• A wide range of terms customized to your unique situation
• Affordable payments
• Prompt, local decision-making and processing
• Detailed, attentive service from start to finish

Home Equity Loans

Home ownership has its advantages, like the ability to borrow by using built-up equity. Unlike a regular unsecured loan, a Home equity Loan from FSB offers a competitive rate, and the interest may be tax deductible.* You can pay for just about any need — whether it’s a medical emergency, debt consolidation, home improvements, and more.

• Use home equity loans to finance various projects
• Leave savings and emergency funds intact
• Competitive interest rates
• Flexible terms for affordable payments
• Potential tax advantages*
• No prepayment penalty
• Receive funds in one lump sum
• Prompt, local decision-making and processing
• Detailed, attentive service from start to finish

*Consult a tax advisor.

Home Equity Line of Credit (HELOC)

If you have ongoing needs that go beyond a one-time loan — but don’t want to resort to your credit card — a home equity line of credit (HELOC) may be your answer. Unlike a lump sum payout, a HELOC offers a revolving source of financing that replenishes for future borrowing as you repay your balance.

• Competitive interest rates for a wide range of ongoing expenses:
  • Home improvements
  • Medical expenses
  • Renovation projects
  • And much more!
• Direct, anytime access to funds without reapplying
• Revolving credit — when you repay, your limit is replenished for future borrowing
• Affordable payment plans
• Only pay interest on the part that’s used
• The interest paid may be tax deductible*
• Prompt, local decision-making and processing
• Detailed, attentive service from start to finish

*Consult a tax advisor.

Getting Started

Below is a list of the information that you will need to provide to apply for a vehicle.

• A recent paystub
• The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Competitive fixed rates
• Flexible terms and monthly payments that fit your needs
• Prompt, local decision making and processing

Getting Started

FSB provides financing for new or used vehicles.

Below is a list of the information that you will need to provide to apply for a vehicle.

• A recent paystub
• The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Purchase land to build a future residence or getaway
• 20% down payment required on residential lots 40 acres or less
• 35% down payment required on land over 40 acres
• 20-year amortization or less
• Variable rates available
• Maximum 45% debt-to-income ratio to qualify
• Loan fees and closing cost can be financed into the loan
• Local decision making, underwriting and processing

Getting Started

Below is a list of the information that you will need to provide to apply for a vehicle.

• A recent paystub
• The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Competitive fixed rates for a wide range of personal needs:
  • Start a new hobby
  • Outfit a game room
  • Go on vacation
  • And much more!
• Flexible terms and monthly payments that fit your needs
• Prompt, local decision-making and processing
• Detailed, attentive service from start to finish

Getting Started

Below is a list of the information that you will need to provide to apply for a vehicle.

• A recent paystub
• The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Start building a good credit history
• Competitive fixed-rate financing
• Buy livestock and feed
• Co-signature from parent or guardian required if under 18
• Single payment following your County Fair’s Livestock Sale
• Prompt, local decision-making and processing
• Detailed, attentive service from start to finish

Summary

• Competitive rates that work with your budget
• Increase purchasing power online and at stores all over the world
• No balance transfer fees
• Manage your card easily online
• Enjoy ScoreCard Rewards for every dollar you spend

Download an application (PDF).

Pay my credit card at www.mycardstatement.com.