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Loan Solutions
First State Bank offers a wide range of financing options, so no matter your home loan needs, you can count on us to bring you home.
Community Heroes Mortgage
You're important to the community. So is homeownership. First State Bank offers a special mortgage program for Teachers, Emergency Medical Technicians, Paramedics, Police and Fire Professionals.
APPLY ONLINEFixed Rate Mortgage
Lock in that rate and have the security of a consistent payment and set rate over the life of your loan with a fixed rate mortgage loan from First State Bank. We offer a variety of terms with affordable and convenient payment options. We also offer Jumbo mortgages for loans over $424,100.
APPLY ONLINEAdjustable Rate Mortgage
When you need a mortgage loan that is more flexible, consider an adjustable rate mortgage. If you’re planning to be in your home less than ten years, or if you want rates and payments that are lower initially, an adjustable rate mortgage comes in a variety of terms.
APPLY ONLINEPortfolio Loans
A portfolio loan may be right for you if you have been told that you are not eligible for a conventional loan because of your situation or your property. First State Bank may be able to help you with our custom portfolio loan product.
APPLY ONLINEBridge Loans
Have you found your dream home but haven’t sold your existing home? First State Bank’s bridge loan can make that dream home a reality. This loan pays off your first home mortgage loan with the net proceeds of the bridge loan going toward down payment and closing costs on the new home.
APPLY ONLINE LEARN MOREConstruction Loans
Building your new home from the ground up? With a construction loan from First State Bank, you’ve got the blue print to your dream home.
APPLY ONLINEInvestor Advantage Loan
Purchasing an existing home in need of repair? If you’re a residential property investor or renovator, First State Bank offers a short term loan program that can provide access to funds to purchase and rehabilitate homes.
APPLY ONLINEGovernment Housing Loans
First State Bank offers loan solutions with low down payment options for eligible borrowers. FHA, VA loans and Michigan State Housing Development Authority (MSHDA) loans are government housing loan programs that that make it easier for qualified buyers to get into the home of their dreams.
All loans and pre-qualifications are subject to credit approval and/or acceptable appraisal. You must carry insurance on the property that secures a loan, and flood insurance may be required. Any taxes or additional conditions imposed by the city, state or county that the subject property is located in will be the borrower’s responsibility. Program terms and conditions are subject to change at any time without notice.
Fair Lending: The Federal Fair Lending laws, (Fair Housing Act, Equal Credit Opportunity Act, Community Reinvestment Act, and the Home Mortgage Disclosure Act), prohibit discrimination in credit transactions. In accordance with these laws, First State Bank promotes fair housing choice and does not discriminate against any person on the basis of race or color, religion, national origin, sex, marital status, age, lawful source of income, familial status, handicap, disability, sexual orientation or gender identity.
SAFE Act: The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) is a federal law designed to enhance consumer protection and reduce fraud in the mortgage lending industry. The SAFE Act requires that all individual mortgage loan originators or MLOs be registered with the Nationwide Mortgage Licensing System and Registry, or NMLS.
NMLS ID 462643
