First State Bank makes home buying easy. Whether you're a first-time homebuyer, building a new home or refinancing your existing mortgage, we have a loan that is right for you. We offer a variety of loans that are conventional in-house loans or those handled through our secondary market program. Local bankers make our loan decisions quickly. We offer friendly, local servicing of your loan.

Fixed Rate Mortgages

• Fixed monthly payments
• No prepayment penalty
• Call our real estate department for rates and terms

Adjustable Rate Mortgage (ARM)

• Lower initial monthly payments
• No prepayment penalty
• Rate ceiling to protect against rising rates
• Call our real estate department for rates and terms

Construction Loans

• Interest only during construction phase
• No prepayment penalty
• Call our real estate department for rates and terms
• Single close construction/term loan program available
• Owner builder program available