We believe home loans should be easy.

At First State Bank, we've been helping people buy or build homes for over 100 years. Our experienced lenders work hard, find solutions, and walk you through every single step of the process. It's easier than you think. If only moving were this easy.

  • Buy, build or refinance
  • Competitive rates
  • Wide range of terms available
  • Personalized service and fast decision-making
  • Lenders familiar with the local market


Types of home financing

Getting into your dream home is easier than you think when you have an experienced lender at your side who wants the best for you. We'll help you choose a home loan program that fits you so well, you'd think it was built just for you.

  • Traditional Fixed-Rate Mortgages
  • Adjustable-Rate Mortgages (ARMs)
  • VA Loans
  • USDA Rural Housing Loans
  • FHA Loans


Construction Loans

When you're building a place to call home, you want everything to be just right. We want it to be just right too, because when you succeed, we all succeed. And our community gets even better. We believe in giving you our best effort, every time.

  • Competitive interest rates
  • Pay interest-only during construction
  • Local, personalized service
  • Fast decision-making and approvals
  • Convenient process from construction phase to permanent mortgage phase
  • Payments based on the amount drawn on your loan