No curveballs, just a great mortgage experience with First State Bank.
Whether you're looking to buy, build, remodel or refinance your home, trust the Hometeam at your Hometown Bank. Expert guidance, competitive rates, local decision making - home run! When you work with First State Bank, you're the MVP. Getting ready to start looking for a home? Give us a call to get qualified first!
First State Bank is locally owned and operated and we've been a part of this community for over one hundred years. Every step of the mortgage process takes place locally. Computer formulas aren't making loan decisions, we are. A local loan process means you can close even faster, putting you in your new home sooner!
Our experienced team of lenders will help you navigate the mortgage process. We believe in a No Curveballs approach - keeping you informed every step of the way makes the loan process smoother! With decades of experience in the mortgage industry, each of our lenders is well-versed in the wide variety of loan options available and can help you find the best and most affordable loan option for your particular needs.
We offer competitive rates on a variety of loan options. We'll find the loan that's best for you based on several factors including term and down payment.
Making the decision to buy a home is exciting. The idea of getting a mortgage may seem overwhelming, but it doesn’t have to be.
The first step in buying a new home should be to determine if you qualify. Being qualified by a reputable lender signals to realtors and sellers that you are a serious buyer, and many won’t work with buyers who have not yet been qualified.
Working with a mortgage professional early in the process also grants you the confidence you need throughout the home buying process from start to finish. You’ll know what homes are or are not within your range, and you’ll be able to narrow your home search to properties that fit your budget and needs.
Shows sellers that you’re serious
Allows you to determine what you’re comfortable paying
Limit your search to homes that fit your price range
Allows you to confidently make an offer knowing you have been pre-qualified by a reputable lender
May allow you to close faster!
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 the 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, familiar 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.