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Residential Real Estate Loans in Southern Illinois


Buying a home can be stressful. Choosing Murphy-Wall as your finance partner is not! Our knowledgeable lending staff will be with you every step of the way…from start to finish! From filling out the application to walking you through the closing, our loan officers are there when you need them to be. Whether it’s your first house or your third, buying a home is always an important and complicated decision. But when you get financing through Murphy-Wall State Bank, you’re never alone.


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  • Low rates
  • Flexible terms
  • Reasonable down payment
  • Affordable payments
  • Local decisions
  • Quick approval
  • Personal attention
  • Easy to apply


USDA Rural Housing

  • USDA Rural Housing offered for applicants in small towns or designated rural areas.
  • NO Down Payments
  • Fixed Rate


FHA Home Loans

  • FHA Loans are guaranteed by the US Government and offer loan flexibility.
  • LOW Down Payments
  • Fixed Rate


VA Home Loan

  • VA Loans Veterans, we appreciate your service!
  • NO Down Payments
  • NO Prepayment Penalty
  • Fixed Rate


We also offer refinancing, construction loans, and second mortgages to remodeling refinance projects.


Contact a Loan Officer


Home Loan Toolkit


Consumer handbook or adjustable-rate mortgages