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First State is the best in the business when it comes to home mortgages! We guarantee quick loan approvals and pre-qualifications, on-time closings and offer just about every product available to help you buy or refinance your home.

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Mortgage Products

Along with conventional mortgages we offer mortgage grants and loans for veterans, first-time homebuyers and low-to-moderate incomes.

  • IHDA grants ranging from $7,500 - $10,000
  • Conventional, FHA, VA, USDA loan options available
  • Conventional min 5% down
  • FHA 3 ½% down
  • VA 100% financing
  • USDA 100% financing


Do You Qualify? 

 Download list of grant and loan options and terms

Contact one of our mortgage experts


Why Choose First State For Your Mortgage?

As a community bank for over 100 years, First State has provided our customers mortgage products and services for over a century. We learned during the recent mortgage crisis that the mortgage industry generally lacked honest mortgage bankers that focus on the needs of homeowners. As a result, we decided to provide this service to our communities in a much broader scale and operate with a separate division of the bank dedicated exclusively to providing mortgage services.

Our approach to mortgage banking is identical to the fundamentals of business banking that our bank was built on. We provide our customers with friendly, professional and knowledgeable mortgage professionals that help them set their financial goals and secure loans suited to their needs. Our focus is on you, not on your loan. Our number one goal is to provide a collaborative, consultative approach that ultimately results in strong, trusting relationships between our lenders and customers.

A few of the things that we think are important to our customers that set us apart from other mortgage lenders are:

  • We offer the best rates in the industry and have access to numerous loan programs including conventional and USDA loans, home equity loans and home equity lines of credit.
  • We have the ability to hold or portfolio loans in our portfolio that otherwise would not qualify for the traditional mortgage programs.
  • We employ mortgage lenders not brokers. Our customers do not have to pay fees to a middle-man to find them a mortgage product.
  • Our mortgage lenders are licensed by the NMLS which helps to insure that you are working with a knowledgeable, professional mortgage lender.
  • We will approve your loan ourselves.
  • We can prequalify you for a loan to assist you in the house shopping process.
  • We lock in the rates that we promise
  • We do not have hidden or unexpected fees that are not disclosed in the initial meeting
  • We service our loans ourselves. This eliminates the difficulties that other borrowers experience attempting to track someone down to help with issues they may have. 
  • We have a strong reputation for getting our loans to completion and closed on time. Our bankers are responsive and able to deal with problems quickly
  • We not only specialize in finding ways to qualify you for a loan, but also offer advice on ways to improve your credit and consult with you about your mortgage payments in context with the rest of your financial plan.
  • We utilize a collaborative process that is focused on customer communication so that you will know exactly where we are at in the process of getting you and your mortgage to closing on time.

Lastly, we rely on references to generate new customers. We encourage you to contact industry professionals and speak with your friends and our past customers. We take our reputation as the “go to” lender for good, professional service with competitive rates and products from trustworthy lenders very serious and look forward to the opportunity to earn your business and trust as well.

APPLY IN OUR MORTGAGE CENTER

View Mortgage Rates