Don't let a tight budget stand in the way of your dream of home ownership!

Buying a home is a big deal. That's why our local lending specialists are dedicated to finding the right loan for you. At Equity Bank, we offer several affordable government home loan programs.

Federal Housing Administration (FHA) 203B Loan

Great program for first-time homebuyers or those with recently repaired credit. Low down payment requirement, flexible credit requirements. 

  • 3.5% down payment.

  • Flexible credit requirements.

  • Sellers may pay up to 6% closing costs.

  • Available for metro-area properties: including Kansas City, Wichita, and Topeka.

  • Certain program requirements apply - talk to your local mortgage lender to get started!

VA Home Loan

VA Home Loans are eligible to Active Duty and Honorably Discharged veterans for the purchase of a home for personal occupancy. Equity Bank provides an equal opportunity for all qualified veterans to obtain a VA loan.

  • No down payment required (provided the veteran is income and credit-qualified and the purchase price is less than or equal to the reasonable value of the property).

  • Buyer informed of property's reasonable value.

  • Negotiable interest rate. 

  • No mortgage insurance required.

  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5% and exemption for veterans receiving VA compensation).

  • Comparable closing costs with other financing types (or may be lower). 

  • Gifts and seller contributions accepted toward closing costs.

  • Right to prepay without penalty.

  • VA assistance to veteran home buyers in default due to temporary financial difficulty. 

  • Veteran can reuse this VA benefit. 

USDA Rural Housing

Have very little money to help you buy a home? USDA Rural Housing may be the ticket to get you into the home of your dreams! 

Check with us to see if you qualify. 

The key to your dream house is just a click away. 

We can help open the door to the home of your dreams! Competitive rates. Local decisions. 

Start with your local lender! 

Savings made simple.

We understand that life can be complicated. What shouldn't be complicated is a way for you to save money without the hassle or headache. Whether you're looking for a high interest savings account or the ability to sit back and watch your savings grow with a simple swipe of your debit card, we've got a savings plan to fit you. 

Explore our high interest savings and CD account rates Start saving with a swipe of your debit card