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Believable Banking Home Loan and Home Improvement Loan

Our Believable Banking loans are designed to revitalize neighborhoods and make home ownership a reality.


Believable Banking Home Mortgage

  • Up to 100% loan-to-value
  • Flexible underwriting guidelines – not credit score driven
  • Available for single family residence, 1-4 units, attached and detached, and condos
  • Most down payment assistance programs allowed
  • Homeownership counseling required
  • Emergency reserve fund required*
  • $1,000 minimum contribution from borrower**
  • Available in select neighborhoods

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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
  • Available in select neighborhoods

Find your Banking Center

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Helpful tools & resources

Mortgage calculators and informative resources for one of life’s biggest decisions.

Tools & Calculators

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* 1% of loan amount plus monthly deposits.

** 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).

Equal Housing Lender house icon. Midland States Bank NMLS #411141. Loans subject to credit approval.