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Whether you’re tired of lining your landlord’s pockets or want some relief from your mortgage payments, SSB is here to help. We offer competitively low rates for home buying and refinancing. Keep budgeting simple with a fixed rate. Our local lending experts work with you to find best terms for your budget. Stop dreaming, start living — apply today!


  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residences
  • Convenient terms customized to your unique situation
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Construction Loans
  • Helpful loan advisors with working knowledge of the local real estate market
  • Local decision-making and processing right here in Scott City or Leoti
  • Helpful, customized service throughout the entire process


Conventional loans have a fixed rate and monthly payment for the entire life of the loan. It’s easy to budget for this type of loan because your principal and interest portion will always be the same. Escrow items are adjusted annually.

Once you know approximately how much home is in your price range, use this convenient mortgage loan calculator to estimate your monthly payments based on the principal and interest. Closing costs are normally paid in a lump sum at the time you take out the loan.


Generally, it’s a good idea for you to consider refinancing whenever the interest rate for mortgages is more than two percentage points below your present mortgage. Whether you apply with us for a new mortgage or to refinance your present mortgage, ask about our home equity line of credit. It can help you save on fees when you apply.

For more details, speak to one of our mortgage loan experts at (620) 872-7224.