Mortgage Loans - Forte Bank
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Mortgage Options

Your checklist: Number of bedrooms, Square footage, big backyard. Our checklist: Taking care of the financing

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At Forte Bank, we've been helping people buy homes for more than a century. That's because we make our loan decisions LOCALLY, our lenders serve as trusted advisors throughout the entire process, and we service the life of most loans — unlike the big banks.

Tailored Approach

Most importantly, we use a tailored approach to find you the best solution. We offer traditional home loan solutions, including fixed rate and adjustable rate mortgages and lot loans and construction loans, as well as  — Veterans Affairs (VA) home loans, USDA Rural Development loans and Jumbo loans.

Financing Unique Properties

Forte Bank can help finance unique properties that other banks typically won’t, including:

  • “Barndominium” homes
  • Non-warrantable condos
  • Large remodeling projects (treated as a construction loan)

While these types of properties are popular, they generally don’t qualify for a typical fixed-rate product. If you find yourself in a unique or challenging situation, we might have an option for you with our portfolio ARM products.

Grant Programs

At Forte Bank we work with home buying grant programs that many banks don’t. In 2022, eligible homebuyers can receive up to $6,000 through the Downpayment Plus® Program* grant and up to $10,000 through the Down Payment Assistance Loan Program** toward down payment and closing costs. Forte Bank offers both of these programs, but not all lenders do.

$1,000 Off Closing Costs for First-Time Homebuyers

To further assist first-time homebuyers achieve their dream of owning a home, we offer $1,000 off closing costs!

Second Look Program

If you applied for a home loan and received a loan estimate or loan worksheet from another lender, let Forte Bank have a second look. We’ll show you what we can do for you, and if you choose Forte Bank, we’ll give you a $300 closing cost credit!†


Our mortgage solutions include:

Whether you’re buying, building or refinancing a home, we empower you with the solution that best fits your needs.

Contact a lender to learn more about our mortgage programs, or get preapproved for free!


Take Our Mortgage Quiz to find out if you're ready to buy a home.

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*“Downpayment Plus” is a registered trademark of and a program offered from the Federal Home Loan Bank of Chicago. Restrictions apply. Please visit the Federal Home Loan Bank of Chicago’s website for complete requirements.

**Down Payment Assistance Loan program is offered from the Department of Housing and Urban Development, funded by the Home Consortium. Restrictions apply. Please see the Home Consortium website at for complete requirements.

†This promotion may not be combined with any other offers, discounts or promotions. Standard credit and collateral underwriting guidelines apply. This is not a commitment to lend. Forte Bank will be able to offer a loan commitment to qualified applicants upon verification of application information, satisfying all underwriting requirements and conditions, and providing an acceptable property, appraisal, and title report.

Borrowers must present: 1) a Loan Estimate or valid loan worksheet with interest rate and lender origination charges issued by a licensed mortgage lender and 2) a loan application with Forte Bank, including requested documentation, in order to determine qualification. Borrowers may only present one Loan Estimate or loan worksheet per competitor for each loan product offered for comparison as part of this program.