Skip navigation


Make Your Next Move with Us

Couple enjoying moving into their new home

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.

Start Your Mortgage Application

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.

Woman with coffee and phone

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.


Lock in your mortgage and the extra funds needed to update and renovate your home.

Happy family outside of their home

Which home loan is right for you?

A good mortgage lender will take time to listen and understand your needs and goals before making a recommendation on the type of loan that will work best for you.

But here are some Pros and Cons to get you started.

We love our lenders and think you will, too.

Our friendly, experienced mortgage professionals are ready to help.
Field of purple flowers in front of house