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Mortgage

Easily Apply Online In Minutes with our Digital Mortgage Application

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Mortgage Loans from Midland States Bank

At Midland States Bank, we make it easy for you to get a mortgage. Whether you're looking to buy your first home or refinance the loan on your current one, our mortgage experts can help. Reach the next milestone in your life with a mortgage loan from Midland States Bank.

What are your mortgage loan options?

Midland States Bank has many types of mortgage loans for you to choose from. Our options include:

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Conventional Mortgage

 

Our most popular home loan.

 

 

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Jumbo Loans

 

Borrow more at lower rates.

 

 

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FHA, VA, USDA Loans

 

Less out of pocket. More in your wallet.

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Construction & Lot Loans

 

Make your building plans a reality.

 

 

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Bridge Loans

 

Bridge the gap between your old and new home.

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Fast. Easy. Home.

With our Digital Mortgage you can easily apply on your mobile device or computer in minutes. The conversational application will guide you through the process and it’s simple to upload documents, so you don’t have to make any trips to the bank. We’ll get you pre-qualified quickly and close your loan faster than most other lenders.

 

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MSB logo with question markWhat Are Your Mortgage Loan Options With Midland States Bank?

Midland States Bank has many types of mortgage loans for you to choose from. Our options include:

  • Conventional Mortgage Loans: Our most popular mortgage option where you can choose from a fixed or adjustable-rate loan.
  • USDA, VA, USDA Loans: Depending on your background, you may be eligible for government-backed mortgages featuring no (USDA, VA) and low (FHA) down payment options and flexible credit guidelines.
  • Bridge Loans: You can use a bridge loan to make a down payment on a new house before selling your current house.
  • Jumbo Loans: Loans that allow you to borrow higher amounts than traditional loan limits.
  • Construction and Lot Loans: An ideal home loan option if you plan to build a house.

Start Your Mortgage Application

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house icon with question markWhy Get a Mortgage With Midland States Bank?

When you get a mortgage from Midland States Bank, you'll benefit from:

 

  • Online application: Apply online from your computer or mobile device in just minutes.
  • Competitive rates: Our competitive rates can help you save money.
  • Full-service approach: You can rely on our help at every step of the process.
  • World-class customer service: We go above and beyond to give you the best loan experience possible.
  • Mortgage expertise: Our mortgage experts are knowledgeable and highly experienced. 
Mortgage Refinancing Options

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Rate & Term Refinance

Adjust your mortgage terms to reduce your monthly payments or pay off your loan quicker. 

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Cash-Out Refinance

Pay for home improvements and other major expenses by tapping into your home's equity.  

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FHA & VA Streamline Refinance

Get a lower rate or change the term length on your FHA or VA loan.  

Learn More

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Frequently Asked Questions

The right mortgage for you depends on your financial situation and personal goals. The mortgage experts at Midland States Bank can help you find the best fit.

You will need mortgage insurance if you take out a conventional loan and your down payment is less than 20%. You will also need it if you get an FHA loan.

Generally speaking, you should refinance your mortgage when it saves you money or helps you pay for a significant home expense.

If you have questions around buying a home, we're here to help. See other popular frequently asked questions from homebuyers to help you on your journey to home ownership.

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Your Local Mortgage Lender

Midland States Bank is a financial services company specializing in mortgage loans. We have branch locations in Illinois and Missouri. You'll benefit from our mortgage expertise and exceptional service. Take advantage of our homebuyer resources so you can keep more money in your pocket while getting the home of your dreams.

Mortgage Calculators  Considering Homeownership

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If you're ready to start the mortgage process, apply online or contact one of our experts today.

Start Your Mortgage Application