Home Loans

We Make Buying a Home as Simple as Possible

At DSB, we have a variety of home loan options available for nearly every potential home buyer. We are with you from start to finish!

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Five Reasons to Get Your Home Loan through DSB

  • Working with one loan officer from start to finish helps ensure you are getting the attention you deserve during the loan process.
  • Use our moving trailer for free, once you close on your home. 
  • We service all of our loans, so you never have to worry about calling another company about your loan questions. 
  • DSB offers fast turnaround on approvals, typically within 24-hours. 
  • When you call in during business hours, you will always talk to a live person – not a recording.
Mortgage Calculator
Mortgage Checklist

Home Loan Options

Fixed-Rate Conventional

Fixed-Rate Details

  • For purchase or refinance
  • Cash-Out & Debt Consolidation options available
  • Fixed-rate for any term
Apply Online

Adjustable-Rate Mortgage (ARM)

ARM Details

  • For purchase or refinance
  • Fixed-rate for the first 5 years
  • Rate could adjust after 5 year term
  • Up to 100% financing available
Apply Online

Construction Loan

Construction Loan Details

  • Multiple advance notes, disbursed as work is completed
  • Less than 12 Months, interest-only payments
  • Once complete, convert your short-term loan into a permanent loan

Home Equity Loan

Home Equity Loan Details

  • Choose from fixed or line of credit options
  • Up to 100% financing available

100% Financing (7)

HELOC Disclosure:
APR* = Annual Percentage Rate. Introductory rate for the home equity line of credit (HELOC) is 3.99% APR* fixed for the first six months from the closing date. After the introductory period expires, the rate will adjust to the current variable rate offered by DSB. Rate is based on current Prime Rate published in the Wall Street Journal plus a margin based on customer’s credit score and calculated Loan to Value. As of 11/8/2024 the current APR* is 7.75% for qualified borrowers with a credit score of 680 or higher and 85% cumulative Loan to Value. The maximum APR* is 12.00%. Existing HELOC loans with DSB may be refinanced if loan credit limit increases at least 25%. Introductory rate is valid for use only for owner-occupied primary residences. Annual Account Maintenance Fee of $15 will be charged at origination and annually thereafter. Rate and offer subject to change without notice. Subject to credit qualifications.