Mortgage Types

Wheatland Bank Home Loan Mortgage OptionsWHAT TYPE OF MORTGAGE IS BEST FOR YOU?

The most common choice of home buyers is a 30-year fixed rate conventional loan, but maybe that is not the best option to fit your needs. We carry a wide range of mortgage services that can be as unique as you.


Conventional home loan

Conventional Loan

A conventional loan typically requires a higher credit score. These loans will also require Private Mortgage Insurance (PMI) for loans with less than 20% down payment and are subject to maximum loan limits. 

FHA Home loan mortgage

FHA Loan 

A popular choice for first-time home buyers, the program allows borrowers to make down payments as low as 3.5%. An FHA home loan is insured by the U.S. Federal Housing Administration and financed through FHA approved lenders. 

VA Home loan veteran mortgage

VA Loan 

The VA loan is an exclusive benefit for our nation’s Veterans and active military. Unfortunately, many of the 25 million Veterans who are eligible have not utilized their benefit due to inaccurate information or lack of awareness that they qualify.

USDA Loan Home Mortgage

USDA Loan 

A USDA loan is a mortgage offered for rural property owners through a program by the United States Department of Agriculture. No money down for those who qualify.

Hobby farm home loan mortgage

Hobby Farm Loan 

A Hobby Farm loan allows flexible, long-term financing for properties with acreage and agricultural characteristics.


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