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.
Whether you are a first-time homebuyer or ready to up-size, we have just the right loan to meet your needs.
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.
Apply online, make updates and add documents to your file.
Safe and Secure Process
Fully encrypted access for you and your title company.
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.
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.
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!
Mortgages made simple.
How much mortgage might I qualify for?Learn More
Four Ways to Protect Your Smart Home Against HackersLearn More
How much home can I afford?Learn More
How much will my fixed rate mortgage payment be?Learn More
Which mortgage is better for me?Learn More
How much will my adjustable rate mortgage payments be?Learn More
How much will I save by increasing my mortgage payment?Learn More