Mortgages and Home Equity

Whatever your home dreams are, our team is here to help. From helping you buy a new home, to assisting you in refinancing for a better rate, to unlocking your home's equity, we have options for what you need.

And as your home loan experts, we don't expect you to have all the answers. Our mortgage team is here every step of the way. We'll walk you through the process from start to finish so you can feel confident and supported in your homeownership journey.

Build a Home

Build your perfect home with a construction loan. Our experts are ready to guide you through the financing process.

Buy a Home

Whether you’re buying your first home, financing a second property, or building your dream home, we’re here to help you find the best mortgage loan for your goals.

Refinance Your Home

If you're considering refinancing, our mortgage experts are here to assist you. From taking advantage of certain rates to restructuring payments, there are various reasons refinancing might be right for you.

Use Your Home Equity

Apply for a home equity loan to use your home equity for whatever you need. We have flexible options for any situation, including lines of credit.

Find a Mortgage Loan Officer

Learn More About Buying a Home

Try Our Mortgage Calculators

Home loans built around you.

Let’s find the right mortgage for your unique needs.

Find Your Mortgage Expert

"Turning to Western State Bank was the best choice we made for our mortgage. The process was quick, always friendly, caring, and very professional."

Kim Taxdahl, Mortgage Customer, Arizona

"The team helped me every step of the way. They responded immediately and worked very hard so that I had all the pieces of information."

Kristine, Mortgage Customer, West Fargo

"Always a pleasure to work with you. Your attention to detail and promptness are exceptional! "

Becki, Mortgage Customer, West Fargo

Mortgages and Home Equity

We're here to help you find the best mortgage option.

Home loans built around you.