The Perfect Loan for Your Perfect Home

Local advisors help you pick the best loan for you.

Make your dream home your real home. Wauchula State Bank’s experienced, local residential loan specialists can make your dream a reality by helping you find the right home loan for your needs.

We are experts at financing homes in the following housing markets:

  • Hardee County
  • Highlands County
  • Polk County

We are particularly experienced in the following local communities:

  • Avon Park
  • Bowling Green
  • Fort Meade
  • Lakeland
  • Lake Placid
  • Sebring
  • Wauchula
  • Winter Haven
  • Zolfo Springs

Loans subject to credit approval. NMLS# 406389

Purchasing or Refinancing

Whether you are a first-time homebuyer or a seasoned homeowner, Wauchula State Bank offers a variety of financing options with competitive rates. Experienced lenders will help you choose the loan that meets your specific needs by providing you with the personal service you’ve come to expect.

Contact a Loan Specialist



Our construction-to-permanent loans make it easier to build your dream home. Apply once and have a single closing.

VA Loans

We proudly offer VA loans exclusively for veterans and military personnel and will guide you through the process. Thank you for your service.


Flexible guidelines and down payment requirements make FHA loans a popular option for Florida homebuyers. FHA loans are also government-insured.

Land/Lot & Manufactured Homes

Buying a residential parcel as an investment for later? Or to build on now? Or are you looking for a manufactured home on owned or leased land? We can help meet your needs.

Get Pre-Qualified

Find your dream home faster. Determine what you can afford. Then get pre-qualified so that you can make an offer with confidence, knowing you have the right financing to complete the deal. Pre-qualification is quick and easy with no fees or obligations.

Download Pre-Qualification Form

Application Checklist

Save time applying for your Florida mortgage. Prepare by finding everything you need on our application checklist.

Access Checklist

Ready to Apply?

Download and complete our application before visiting a branch.

Residential Loan Application

Residential Mortgages Product Sheet

Download Here