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There is no better time then now to buy or refinance a home with First State Bank. Our experienced lenders can simplify the process and help you find the best mortgage plan for your needs.

Applying online is easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed.
  3. A First State Bank Loan Officer will follow up to answer your questions.

Apply Now!

Mortgages

Conventional Mortgages

  • Fixed Rate mortgages provide the safety and security of set monthly payments for the life of the loan.
  • 30YR, 20YR, 15YR, 10YR
  • Purchases
  • Refinance and Cash-out Refinance
  • 1-4 Family Investment

FHA Mortgages

  • A government-backed program ideal for first-time home buyers with a minimum down payment option.

VA Mortgages

  • Relaxed qualifying requirements and no down payment for many veterans

Rural Development 30 YR

  • A government backed program for low to moderate income families that provides 100% financing.

Professional Provider Progam

  • Created for MD, DO, DPM, DDS, DMD, OD, DVM, & CRNA
  • 30YR Fixed Rate
  • 100% Financing with no PMI
  • Borrower pays closing

ITIN Home Loans

  • Created for home buyers who do not have a Social Security number
  • One-unit owner occupied single family properites

Construction / Land Loans

 

Use our free mortgage calculator to easily estimate your monthly payment. See which type of mortgage is right for you and how much house you can afford.

 

What You'll Need

  • Two forms of identification for each borrower
  • W-2s for the past two years
  • Two most recent year-to-date paycheck stubs
  • Residence address(es) for past two years, landlord information if applicable
  • Name and address(es) of each employer for past two years
  • If self-employed or commission, two years' tax returns
  • If incorporated, two years' corporate tax returns
  • Last two months' bank statements for all checking, savings, and retirement accounts (all pages included)
  • Address(es) of other real estate owned
  • Loan information on all real estate owned
  • Payment for credit report

For additional information regarding mortgage lending you may contact First State Banks mortgage lending department.

Jennifer Samuels 479-498-2467 or  [email protected].

(This is not a secure email. Please do not send sensitive information.) 

NMLS Originator ID: 564256 / NMLS Company ID: 433425