Mortgage
Make Your Next Move with Us
Buy, Build or Refinance
Our expert mortgage lenders are ready to help you find just the right loan to fit your needs.
Purchase Loans
Whether you are a first-time homebuyer or ready to up-size, we have just the right loan to meet your needs.
Refinance Loans
Refinancing can help you lower your monthly payments, pay off your home sooner or use well-earned equity.
Home Improvement Loans
From simple repairs to remodeling projects, our home improvement loans are a great alternative to high-rate credit cards and may result in potential tax savings.
Home Construction Loans
Ready to build your dream home? Let us help you finance the construction from ground breaking to move in.
We make it Simple. You make it home.
Start the process. Apply now, view your progress, securely upload documents and message your Mortgage Loan Originator as you go with Simple Mortgage from Happy State Bank.
Online Management
Apply online, make updates and add documents to your file.
Safe and Secure Process
Fully encrypted access for you and your title company.
Track Progress
Stay informed as you move through the home loan process.
Buying a home doesn't have to come with a big down payment.
We think choices are good. That’s why we offer specialized programs to make sure you get the loan that fits your needs!
Land & Construction
Building your dream home doesn’t have to be hard. We can help take care of both your land and construction loans.
Homebuyer Program
Buying a home doesn’t have to come with a big down payment. Our Homebuyer Program offers a no down payment loan option.
Renovations
Lock in your mortgage and the extra funds needed to update and renovate your home.
First Time Homebuyer Courses
Happy State Bank, a division of Centennial Bank, now offers $500 off closing costs for completing a qualifying First Time Homebuyer Education Course. Learn more about this opportunity and course options!
Pick the Perfect Option
Picking the right loan type for you can be challenging. Need more information to help you make sure you are in the know? Start here!