Home Loan Solutions Through a Team You Can Trust
Buying or refinancing a home is a major milestone—and having the right lending support makes all the difference. At German American State Bank, our mortgage services are now powered by Foresight Mortgage, giving you access to a dedicated team of experienced home loan professionals while keeping the same local service you’ve always counted on.
This expanded team brings deeper expertise, more loan options, and a smoother, more guided homebuying experience than ever before. From first-time buyers to long-time homeowners, we’re here to help you move forward with confidence.
You’ll benefit from:
- Competitive rates
- A wide range of loan programs
- Personal support from application to closing
- A streamlined digital loan application portal
It’s the best of both worlds—local banking you trust, paired with specialized mortgage team here to serve you.
Start Your Home Loan Journey
Connect with our mortgage team or apply online through Foresight Mortgage.
Foresight Bank's Home Loan Offerings
Loan Type | What You Need to Know About This Loan |
|---|---|
Fixed-Rate Mortgage Loans | Offers a consistent interest rate and monthly payment over the life of the loan, typically 15, 20, or 30 years. Ideal for buyers who plan to stay in their home long-term and want predictable payments. |
Adjustable-Rate Mortgage (ARM) Loans | Features a lower initial interest rate that adjusts periodically based on market conditions. Suitable for buyers who plan to move or refinance before the rate adjusts. |
Mortgage Loan Refinances | Allows homeowners to replace their current mortgage with a new one—often to secure a lower interest rate, change the loan term, or access home equity. Can be structured as fixed or adjustable. |
Lot Loans | Used to finance the purchase of vacant land for future home construction. Typically requires a higher down payment and may have shorter terms or higher interest rates. |
Construction Loans | Short-term financing that covers the cost of building a home. Funds are disbursed in stages as construction progresses. Often converted to a permanent mortgage upon completion. |
FHA Loans | Government-backed loans with lower down payment and credit score requirements. Ideal for first-time homebuyers or those with limited savings. Subject to FHA loan limits and mortgage insurance. |
VA Loans | Available to eligible veterans, active-duty service members, and certain military spouses. Offers no down payment, no private mortgage insurance, and competitive rates. Backed by the U.S. Department of Veterans Affairs. |
Take the next step toward your new home.
Apply online today—it’s quick, secure, and connects you directly with our local lending team.