Buy or Build? How Oostburg State Bank Can Help You Make the Right Move

One of the biggest decisions you’ll make in your homeownership journey is whether to buy an existing home or build your dream home from the ground up. Both paths have their advantages, and at Oostburg State Bank, our experienced mortgage lenders are here to guide you through either option with local expertise and personalized service.

Buying a Home

Buying a home can be a faster and more straightforward process, especially with our Prequalification Program, which offers fast turnaround and thorough review. That means you can shop with confidence and move quickly when you find the right home.

We also offer a variety of mortgage options:

· Fixed-rate and adjustable-rate mortgages (ARMs)to fit your financial plan

· First-Time Homebuyer Program with discounted interest rates and PMI premiums (income limits apply)

· Access to grant programs to help cover down payment or closing costs (income limits apply)

· Low closing costs and no points

· Local decision-making and underwriting

Whether you're buying your first home or your forever home, our mortgage team is committed to making your purchase as seamless as possible.

Building a Home

Dreaming of designing a home that’s uniquely yours? We also offer construction loans to help bring your vision to life.

Our construction loans include:

· 12-month timeline to complete your project

· Interest-only payments during construction to keep initial costs manageable

· Quick turnaround on draw requests for contractors, working in partnership with Woodland Title Services

· Local underwriting for faster approvals and peace of mind

· Loan servicing through Oostburg State Bank, so your relationship stays right here in your community

From blueprint to move-in day, our mortgage lenders will walk you through each step of the construction process.

Let's Get Started

Whether you’re buying or building, Oostburg State Bank is here to help you find the financing solution that fits your life and goals. Contact one of our local mortgage lenders today to get started, and we’ll help you determine the best path forward and support you every step of the way.