We offer a variety of Loan Programs to fit your particular needs.

• Shopping for your first home
• Moving to a larger house
• Considering a retirement residence
• Building your dream home

We have Conventional Financing with low down payments and fixed rate terms with rates that vary depending on the term of the loan. Adjustable Rate Mortgages (ARM) are also available. In-House loans are also available for those who don't qualify for conventional financing at this time, but may 2 or 3 years from now.

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New Construction

If you are building, our One Step Construction Loan Program could be just what you're looking for. Bank of Zumbrota combines your construction loan and home loan into one - one application, one loan. It's a great way to avoid many of the fees and hassles associated with construction and home financing.

Our One Step construction Loan Program has five easy steps: Application. Loan and processing approval. Construction loan closing. Construction loan phase. Permanent financing phase.

Interested in insurance options? Click here.

Building Lots

Interested in buying a lot today, but not ready to build on it? Not a problem. Purchase your lot in the greater Zumbrota area and finance it with Bank of Zumbrota.

Down payment requirements are low. Flexible repayment terms. Very competitive rates. Low closing costs.

Interested in insurance options? Click here.