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Home Mortgage 

If you are interested in purchasing a home, refinancing a home or borrowing the equity of an existing home, a mortgage loan from Sterling State Bank may be a solution. We provide a variety of mortgage loan options and will help you choose one that is the best fit. Our mortgage lenders have the experience necessary to make the mortgage process easy and enjoyable.



Mortgage Options

Conventional Loans 

FHA Loans

Rural Development Loans

VA Loans

Construction Loans

Jumbo Loans

Home Equity Loans

Home Equity Lines of Credit (HELOC)



Today's Mortgage Rates

Rates are current as of January 22, 2021. Rates are subject to change without notice.


   15 - Year Fixed Conforming    20 - Year Fixed Conforming     30 - Year Fixed Conforming   

 2.250% Rate


  2.750% Rate 

  2.750% Rate  
   2.576% APR    3.004% APR  

2.929% APR

   $655.08 Monthly Payment    $542.17 Monthly Payment  

$408.24 Monthly Payment

  179 Payments of $655.08 &

1 Payment of $656.10


239 Payments of $542.17 &

1 Payment of $540.89


359 Payments of $408.24 &

1 Payment of $409.08



  *APR = Annual Percentage Rate is based on a $100,000 mortgage, a 20% down payment, and a 1% origination fee. Mortgage interest rates displayed are for the purchase of a single-family primary residence and are based on a rate lock period of 45 days. Estimated monthly payments do not include taxes and insurance payments. If escrowed, the payment obligations will be greater. These mortgage interest rates assume the borrower(s) has a credit score of at least 750 and are based upon a variety of other assumptions and conditions. Loan pricing can only be locked through a Mortgage Originator. Conforming loan amounts are less than or equal to $510,400. Please contact us at 1-866-396-6800 for greater loan amounts or for additional questions. Other restrictions may apply.




Meet Our Mortgage Lending Team

loan danny   loan adam h

Danny Bucknell | NMLS ID 1577633

Email: dbucknell@sterlingstatebank.com

Phone: 507-282-1845

Rochester, MN


Adam Hartman | NMLS ID 1957317

Email: ahartman@sterlingstatebank.com

Phone: 507-280-9600

Rochester, MN

Heather Donovan web   loan paul

Heather Donovan | NMLS ID 1577634

Email: hdonovan@sterlingstatebank.com

Phone: 507-282-1845

Rochester, MN


Paul Rime | NMLS ID 1268747

Email: prime@sterlingstatebank.com

Phone: 952-892-3997

Lakeville, MN

loan rick  


Rick Solum | NMLS ID 1663443

Email: rsolum@sterlingstatebank.com

Phone: 952-440-1300

Savage, MN







• Actual loan qualifying is subject to verification and approval of income, credit, property appraisal, and other factors.

• Some restrictions and penalties may apply.