Purchasing a new home?

As a part of the community, our work means helping neighbors achieve their dreams. We understand that every borrower is different, and we offer a variety of products to meet your unique needs. We are committed to helping you find the right real estate product and walking with you through the mortgage process. Whether you’re looking to buy or build a home, Houghton State Bank has the financing to meet your needs.

Thinking of refinancing?

Take advantage of great interest rates by refinancing your existing mortgage loan. Refinancing can significantly lower your mortgage payment and free up your monthly cash flow to make your money stretch even further. Or, refinancing can reduce the number of years to payoff your loan – building up the equity in your home even faster. Talk with us today about how a refinance might fit into your financial plans.


ERROR RESOLUTION

RELATED TO THE SERVICING OF CLOSED-END MORTGAGE LOANS SUBJECT TO THE REAL ESTATE SETTLEMENT PROCEDURES ACT:

  1. Error notices should be sent in writing to: Houghton State Bank, Attn: Loan Department, 116 E Coolbaugh Street, Red Oak, IA 51566.
  2. Written notices should include: Name, address, loan number, and description of the error with amount(s), date(s) and details.
  3. Notices will be promptly responded to by written acknowledgement. You will be informed of the correction of the error and/or any different/additional errors found, or notification will be sent that no error occurred.
  4. Borrowers who are not satisfied with the resolution of a previously submitted verbal error notice should contact in writing: Houghton State Bank, Attn: Lending Compliance Officer, 116 E Coolbaugh Street, Red Oak, IA 51566.