Loans
Du Quoin State Bank offers a variety of customized loan products available to finance your dreams. All loans are made and serviced with a hometown flair.
Real Estate Loans
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All real estate loans made are owned and serviced by
Du Quoin State Bank. You are encouraged from the application process to closing and eventual payout to direct all questions or concerns to your personal loan officer. We will be with you through your entire experience. |
Save valuable time by completing your application prior to visiting your loan officer.
Mortgage Process Checklist
Payment Calculator
Home Loans
- Competitive fixed and variable rates
- Reasonable closing costs – no points
- Available for purchase or refinance
- No prepayment penalty
- LTV 80%
- Maximum term 30 years
- Quick processing
- Automatic Payment Option
Construction Loans
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- Fixed rate during construction
- 6 month initial loan period
- Easy conversion to permanent finance
- Interest only during construction
- Interest charged only on amount drawn
- Reasonable closing costs – no points or inspection fees
- LTV 80%
- Quick processing
- Automatic payment option
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Manufactured Homes
- Competitive terms available
- Reasonable closing costs
- Available with or without land
- No prepayment penalty
- LTV 80%
- Quick processing
- Automatic payment option
Recreational Land
- Competitive terms available
- Reasonable closing costs
- No prepayment penalty
- LTV 80%
- Quick processing
- Maximum term 20 years
- Automatic payment option
Mortgage Process Checklist
For Purchase
- Complete application
- Copy of driver’s license
- Signed Purchase contract
- Last two years federal tax return
- Most recent bank statements
- Most recent investment account statements
- Copy of divorce decree, if applicable
- Name, address and phone number of insurance agent
For Refinance
- Complete application
- Copy of driver’s license
- Copy of title insurance
- Last two years federal tax return
- Most recent bank statement
- Most recent investment statements
- Copy of divorce decree, if applicable
- Name, address and phone number of insurance agent
Consumer Loans
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Are you purchasing an auto, ATV, boat, sending a child to college or upgrading a kitchen? Visit your personal loan officer and receive the outstanding hometown service to enhance your buying experience. |
To help us serve you quickly, print out the consumer application and complete prior to meeting with your loan officer.
Auto Loans
New Auto Loan
- Competitive rate and term
- Finance 80% of purchase price
- Fast approval and closing
- No prepayment penalty
- Credit life and accident/health insurance available
- Free NADA values quoted for trade-in
- Automatic payment option
- Used Auto Loan
- Competitive rate and term
- Finance 80% of purchase or NADA loan value
- Fast approval and closing
- No prepayment penalty
- Credit life and accident/health insurance available
- Free NADA value quoted
- Automatic payment option
Get an Automobile Value NADA Automobile Pricing Guide
ATV Loans
- Competitive rate and term
- Finance 80% of purchase price
- Fast approval and closing
- No prepayment penalty
- Credit life and accident/health insurance available
- Automatic payment option
Boat Loans
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- Competitive rate and term
- Finance 80% of purchase price
- Fast approval and closing
- No prepayment penalty
- Credit life and accident/health insurance available
- Automatic payment option
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RV Loan
- Competitive rate and term
- Finance 80% of purchase price
- Fast approval and closing
- No prepayment penalty
- Credit life and accident/health insurance available
- Automatic payment option
Certificate of Deposit Loan
- Rate is 3.00% above earning rate on Du Quoin State Bank C.D.
- Liberal repayment terms
- 100% LTV
- Fast approval and closing
- No prepayment penalty
- Credit life and accident/health insurance available
- Automatic payment option
Personal Loan
- Competitive rate and terms
- May be available without collateral
- Fast approval and closing
- No prepayment penalty
- Credit life and accident/health insurance available
- Automatic payment option
Commercial Loans
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Du Quoin State Bank is a locally owned and operated commercial bank. We understand the needs of our business customers. Contact your personal loan officer and experience the fast and convenient service. |
Du Quoin State Bank offers a variety of loans with terms available to meet your unique need.
- Real estate purchase
- Commercial construction
- Agricultural
- Equipment
- Revolving lines of credit
- Operating lease
- Capital lease
- Municipal borrowing
Use the Commercial Loan Checklist to assist your personal loan officer serve you more efficiently
Corporation
- Articles of Incorporation
- Corporate Bylaws
- Board minutes authorizing loan and collateral pledge
- Corporate Resolution
- Certificate of Good Standing
- Three years corporate tax returns
- Three years corporate balance sheets
- Three years income statements
- Personal financial statement
- Three years personal tax return
Limited Liability Company
- Articles of Organization
- Operating Agreement
- Minutes authorizing loan and collateral pledge
- Resolution
- Certificate of Good Standing
- Three years tax return
- Three years balance sheets
- Personal financial statement
- Three years personal tax returns
Partnership/Sole proprietorship
Lending Staff
- Daniel R. Fulk, NLMS#418536
- Todd A. Kuhnert, NLMS#418537
- Cynthia A. Melvin, NLMS#418538
