Mortgage Loan

Home Mortgage     

Whether you're a first-time homebuyer, looking to buy your next home, or refinance your current home, our expert mortgage loan officers are here to answer your questions so you have a clear understanding of what you can comfortably afford.

We provide a variety of services to our customers a diverse menu of residential mortgage loan products including, but not limited to, Conventional, no down payment Rural Development and low down payment FHA loans.

Welch State Bank offers home loans with:


  • Competitive Rates Long-term
  • fixed-rate loans
  • Zero-down payment loans
  • Adjustable rate mortgage loans
  • Low closing costs


Home Equity Loans

Need some extra cash? Welch State Bank offers home equity loans and home equity lines of credit no matter the reason. These loans may be ideal when considering:


  • Consolidating debt
  • Home improvements
  • College tuition
  • Business investments
  • Luxury vacations
  • And more!


Construction Loans

Welch State Bank can help you with a construction loan, bridge loan, and permanent financing. Get your dream home off the ground call us today.

Welch State Bank offers construction loans:


  • Build your dream home with hassle-free financing
  • Bridge loans available while you build your new home
  • Construction loans to permanent financing


Work with us on your terms. Whether you want to apply for a mortgage or need mortgage pre-approval, we’re available online, on the phone or face-to-face in your neighborhood. Get pre-approved for one of our mortgage loans and go house hunting with confidence knowing how much you can afford.

We are with you every step of the way - even after you close the loan. We often service our customers’ home mortgage loans rather than sell them

Our goal is to provide the highest level of service at competitive rates.

Come see why Welch State Bank has been voted best Mortgage Lender in Ottawa County 12 years in a row by the readers of the Miami News Record.