Loans & Credit

Purchase or build a home, refinance or remodel at a great rate

Purchase or build a home, refinance or remodel at a great rate

The easiest way to get personalized information about your loan options is to work with with a local loan expert! Our lending team, Jim Sears and Jay Randels have years of experience in Baldwin City and the surrounding area, and truly enjoy helping local residents reach their goals.

Buying a home

Buying a home is one of the most exciting times in our lives. At Baldwin State Bank, we work very hard to make sure that you have a positive experience. Before you shop, talk with Jim or Jay and get pre-qualified for a mortgage loan.

Constructing a home

When building your dream home, it’s essential to work with an expert in construction lending. We can help you navigate the financing process and find the loan that’s right for you.

Refinancing your existing home loan

Currently, mortgages rates are still historically low, but that could change in the near future. It may be an ideal time to consider refinancing your loan. We can help you figure out if refinancing your current loan is a smart move.

Improving your home

Your home is one of most important investments. With our home improvement financing options, you can get the cash to pay for needed repairs as well as optional upgrades or updating.

Meet our Lenders

Jim Sears