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Lending Programs

Looking to build or purchase a primary residence? How about a second home or investment property? Whatever your residential mortgage needs our Residential Lending Team at Panhandle State Bank and its locally owned divisions of Intermountain Community Bank and Magic Valley Bank can find a loan program that will work for you. We can help you select the best option and we will ensure your request is handled smoothly and quickly.

Buying a new home can be a big endeavor. After all it is the place you will call home and you want everything to be perfect. Let us make the financing part easy. We will guide you through the various mortgage options available and find the one that best fits your needs. You can choose from a full range of programs and terms. We offer financing for first time home buyers, vacation homes, condos and rental properties as well. There are also down payment assistant programs available for some borrowers. We do offer conventional loans as well as Jumbo products, which are loans over $417,000.

Frequently Asked Questions

A yearly rate of interest that includes fees and costs paid to acquire the loan. Lenders are required by law to disclose the APR. The rate is calculated in a standard way, taking the average compound interest rate over the term of the loan, so borrowers can compare loans. In mortgages, it is the interest rate of a mortgage when taking into account the interest, mortgage insurance, and certain closing costs including points paid at closing. There is no APR in an automobile lease; instead, the cost of money is expressed as the money factor.

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Equal Housing Lender

Panhandle State Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction and some NOW accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

The temporary increase in FDIC insurance from $100,000 to $250,000 has been made permanent as a provision of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which was signed into law on July 21, 2010. If your deposit accounts exceed that amount, contact your banker for assistance.