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Why Use a Community Bank?

Independent Community Banks have had a significant positive impact on the lending industry. Today, the use of a professional Community Banker is one of the key strategies used by sophisticated borrowers.

What is a Community Bank?

Community Banks are locally owned financial institutions that are fully invested in the community they serve.  Decisions are made locally, so the banker will understand your specific needs.  We care about our community so strive to help you make the best home financing decision possible.

What Do Community Bankers Do?

In the volatile home-lending market, Community Bankers can serve as safeguards, offering their clients security, safety, and peace of mind. One of the banker's most important functions is escorting your loan application through the entire process, constantly patrolling the component transactions for possible breakdowns. A professional banker can wade through the mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options.

Bankers Handle the Details!

There are literally thousands of variables that can affect the outcome of your mortgage transaction. That's why you need a Community Banker to act as a liaison between the title and escrow company, real estate agent, appraiser, credit agency, attorneys, and any other services which may affect your transaction.

A Community Banker also:

  • Discusses and explains financing program options
  • Informs you, in writing, of lock-in options
  • Explains all documents of the loan application
  • Explains all associated costs of the loan application
  • Explains the disbursement of all loan applications
  • Explains the loan process, from application to closing
  • Provides you with a good faith estimate of cost and fees
  • Communicates with you throughout the loan process in a timely manner
  • Coordinates the final closing of your transaction
Farmers State Bank of Hartland NMLS #1561269
1452 W Main St, Albert Lea, MN  56007
Office:  (507) 373-1945
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