Choosing the mortgage that best meets your needs is a big decision. You shouldn't have to go it alone. At First State Bank, you don't. Our mortgage department is eager to answer any questions you may have. Whether you're purchasing, refinancing, taking advantage of the equity you've built in your home or building your dream home, our professional lenders are here for you. We offer a variety of mortgage loan options with competitive rates.

Apply now or speak with a mortgage professional to get started today.

Click here to contact one of our experienced Mortgage Professionals.

Calculators can be useful tools to help you decide what option may be best for you.

Wondering how much house you can buy? Use this handy home affordability calculator to find out.

For current rates, please Click here or contact a mortgage professional.

Have questions? Click here to view Mortgage FAQ's.

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Fixed-Rate Mortgage

Lock-in a fixed rate for the term you choose. The most popular of choices, a fixed rate mortgage offers you the security of a principal and interest payment amount that remains the same for the life of your loan. We offer a variety of fixed rate loan options with a variety of terms. For more information, please contact a mortgage professional.

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Adjustable Rate Mortgage (ARM)

An adjustable rate mortgage, or "ARM," is a loan that offers a low initial interest rate and monthly payment. The interest rate and monthly payment may change at pre-determined intervals based upon interest rate movements. Interest rates and payments are fixed for your initial period of time with changes tied to an index such as the yield on U.S. Treasury Securities. Depending upon market conditions, your adjusted rate may be higher or lower than your initial rate. All ARM products do have periodic and lifetime rate caps to help you better plan your payments. Please contact a mortgage professional.

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Investment Property Mortgage

This mortgage type is for one to four-unit investment properties. Flexible financing options are available for qualified borrowers. As an investor, you can benefit from several financing options, including fixed rate mortgages and adjustable rate mortgages (ARMs). For more information, please contact a mortgage professional.

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Construction Loan

Our program is one of the most convenient and low-cost solutions around. No fees are charged for advances or inspections. Monthly interest only payments are made until you close your final mortgage. For more information, please contact a mortgage professional.

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