Real Estate

The Harvard State Bank offers a wide range of mortgage loan products to meet your needs. We offer mortgages for construction, primary homes, second homes, non-owner occupied, and investment properties. 

Home Equity Line of Credit

Loans for up to 85% of your home’s value to use for any purpose. Borrow what you need, set the term and payment to best fit your budget. 

Have you considered unlocking your home’s equity to access funds?

This loan provides the easiest, most convenient way to access your home’s equity. Home equity line checks provide you easy access. 

  • Interest rates based on the Prime lending rate 
  • Monthly billing with interest only payments 
  • Flexibility in principle payments
* A balance remains due at time of loan maturity which requires a new loan or a balloon payment

No Application Fee At Time of Closing

Checklist for HELOC Loans: (Home Equity Line of Credit)

  • Last 2 years W-2s 
  • Payroll stubs for most recent month 
  • Contact person and phone number of employer 
  • 2 Years full Federal Tax returns if self-employed 
  • Account numbers for all deposit accounts 
  • Last 3 month’s bank statements on all deposit accounts 
  • Balance of your present mortgage, name, address and telephone number of financial institution 
  • Recent appraisal if mortgage is with another institution 
  • Tax Bill, prior title, and homeowners insurance policies 

Fixed Rate Loans

  • Guaranteed rate for the term of the loan 

CONTACT ANY ONE OF OUR LOAN OFFICERS FOR SPECIFIC INFORMATION OR LOAN RATES ON ANY OF OUR LOAN PRODUCTS. 


Tony Villarreal Consumer & Mortgages NMLS # 204503 (815) 943-4400
Phillip Lehmann Business & Commercial NMLS # 744670 (815) 943-4400
Tom Raine Mortgages NMLS #261298 (630) 772-8424
Nick Nelson Mortgages NMLS # 384413 (815) 397-3111
Jennifer Goley Mortgages NMLS # 1051774 (815) 732-3111
Jim Jackowski Mortgages NMLS # 443065 (815) 397-3111

The Harvard State Bank's NMLS Number is 704698