Believable Banking

Providing a pathway to successful home ownership.

Midland States Bank’s Believable Banking Home Loan and Home Improvement Loan are designed to assist people on the pathway to affordable, successful home ownership while helping revitalize neighborhoods. Available in select communities, these unique loans feature flexible underwriting guidelines to help overcome some of the challenges individuals may face with traditional loan programs.

Believable Banking Home Loan

  • Up to 100% loan to value
  • Not credit score driven
  • Single family resident (SFR), 1-4 unit, attached and detached, and condos
  • Mortgage insurance not required
  • Most down payment assistance programs allowed
  • Emergency reserve fund required*
  • $1,000 minimum contribution from borrower**

Believable Banking Home Improvement Loan

  • Use for minor or major home repair needs
  • $1,500 - $10,000 loan amount
  • Flexible underwriting criteria
  • No appraisal needed
  • Loan to value not a factor
  • No collateral required

Contact us today at 1-855-696-4352 to learn more about these exciting new loan programs.

Get answers, apply online or use our handy calculators.

Call us.

Still have questions?

We’re ready to help answer your questions or assist you with your application. Just call us toll-free at 1-855-MY-MIDLAND or stop by any Midland banking center.

Apply online.

Apply online today.

Save time and a trip to the bank when you apply for your mortgage loan using our online application. We’re ready to help if you have questions. Apply now

Online calculators.

Online calculators.

We'll help you learn more about getting a home loan by giving you online access to resources and tools to help make getting a loan easier. Online Calculators

Equal Housing LenderEqual Housing Lender. Bank NMLS #411141 Loans subject to credit approval and eligibility requirements. Believable Banking Home Loan: Home ownership counseling required. *Emergency Reserve Fund required of 1% of loan amount plus monthly deposits. **$1,000 minimum contribution may be applied to down payment or closing costs and is in addition to initial contribution to Emergency Reserve Fund. Additional fees and charges may apply (e.g. appraisal, inspection, title, and recording fees. Please contact us for details.