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Mortgage Loans & Home Equity Lines of Credit


Mortgage Loans

OSB Community Bank (NMLS #403014)

At OSB Community Bank, we genuinely believe in making homeownership available for every qualified individual. Whether you’re buying your first home, building the house of your dreams or refinancing your existing home, we are here for you every step of the way.

We understand that homeownership is the single largest investment that most Americans will make in their lifetime, therefore, you can rely on our staff to deliver exceptional service before, during and after the loan closes.

We offer

  • Competitive rates for real estate purchases, refinancing's and construction
  • Fixed rate and adjustable rate mortgages
  • 100% Financing with USDA Rural Housing Loans
  • Construction loans
  • FHA/VA loans
  • Personalized and attentive service from beginning to end

Ready to get started? Applying online is safe, secure, and easy! Complete our online mortgage application at your convenience. You can start your application, save your work and finish later if needed. Click here to begin your mortgage loan application.

Home Equity Lines of Credit

A home equity line of credit, also known as a HELOC, allows you to borrow against your home’s equity. Our variable rate HELOCs are easy, affordable, reusable and offer a variety of financial benefits for homeowners. The Home Equity Line of Credit is available on owner occupied, primary residences only.

Common Uses of a Home Equity Line of Credit include:

  • Remodel, renovate or otherwise improve your house and property
  • Pay for education expenses
  • Fund the purchase of a second home
  • Consolidate high-interest debts
  • Dream vacations

Benefits include:

  • Flexible – our Home Equity Line of Credit gives you the flexibility to draw on your account as your needs arise
  • Accessible – Access your funds in person, by phone or with Home Equity Line Checks.
  • Reusable – pay your balance down and then borrow it again at a later date
  • Affordable – low rate of interest
  • Tax Deductible – payment may be deductible on your federal tax return (consult with your tax advisor)

Get in touch

Count on a personalized experience at OSB Community Bank. For sound advice on buying, refinancing, or building a home, visit our experienced team of mortgage lenders to guide you through the process.

Dan The Mortgage Man Sabol

Dan “The Mortgage Man” Sabol

NMLS#657953 Mortgage Banking Sales Director
Contact me in Ottawa at 815-366-5474

Dan’s Online App

Dan “The Mortgage Man” Sabol, Director of Mortgage Sales at OSB Community Bank, tailors your financing to your unique lifestyle and goals.

With Dan, you can expect an authentic experience defined by honesty, integrity and fun. whether you’re building your dream home or buying property for the first time, you deserve a smooth, respectful and personable transaction. At its core, Dan’s professional service is founded on the bedrock aim of your long-term financial security and wealth accrual.

Contact Dan “The Mortgage Man” to take advantage of today’s financial opportunities.

Lisa Jo Mertel

Lisa Jo Mertel

NMLS# 224854 Mortgage Loan Originator
Contact me in LaSalle at 815-343-8924

Lisa Jo’s Online App

A lifelong resident of Peru, Lisa Jo has over 25 years of mortgage origination experience and specializes in USDA, FHA,VA, conventional financing and grant programs for first time homebuyers. Lisa Jo provides professional service and explains the process making your lending experience smoother and enjoyable. Lisa Jo is a member of IVAR, the Illinois Valley Area Chamber of Commerce & Economic Development and a past member of the board of directors of the Starved Rock Regional Center.

Think Mortgage, Think Mertel, Think OSB.

Baley Lehr

Baley Lehr

Mortgage Loan Originator
Contact me in Ottawa at 815-366-5443

Baley’s Online App

The financial aspects of home buying can be stressful and overwhelming, but they don’t have to be, not with a trained and caring professional like Baley Lehr in your corner. Baley has extensive knowledge on the best products and programs available for each unique situation. Baley is dedicated to delivering exceptional customer service, and he understands the importance of communication during the process. Contact Baley today and let’s get started making your home-ownership dreams come true.

Robert Hauge

Robert Hauge

Mortgage Loan Originator
Contact me in Marseilles at 815-795-7800

Bob’s Online App

Property ownership is one of the most exciting steps in life, but it can also be one of the most stressful. Bob, at OSB Community Bank, is ready and willing to be by your side, simplifying it all throughout the entire process whether you are looking to build, buy or refinance. 

Bob Hauge has been a resident of Marseilles, Illinois for over 30 years and has played an active role in the community. After spending several years coaching, Bob currently serves on the plan commission and zoning board of appeals in Marseilles. If you or someone you know is looking to build, buy or refinance, give Bob a call.

Please note: OSB Community Bank is committed to protecting your privacy and ensuring your private information is secure. for your protection, please do not send sensitive information such as account numbers, social security numbers or private information through email.

OSB Community Bank

Visit any of our Ottawa, Marseilles or Morris locations

ABA Routing #271972925

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Equal Housing Lender
FDIC Insured