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Adjustable-rate Mortgage Mortgages

A short-term mortgage solution

For those who know this won't be your "forever home" or planning to refinance, we offer adjustable-rate mortgage (ARM) financing which includes loans for manufactured or mobile homes and bare land.

  • FICO scores of 620 or more are eligible.
  • No income, property or loan limits
  • Mortgage insurance required if less than 20% down payment.1

Adjustable-rate mortgages (ARM)

  • Local underwriting
  • Loans will be serviced by First State Bank.
  • Manufactured homes and mobile homes on land allowed.
  • Available for bare land loans.
  • Variable rate may increase or decrease.

Learn more about our mortgages

First State Bank offers many mortgage programs for which you may be eligible.


All loans subject to credit approval. Mortgages available for properties located within the state of Wisconsin.

1Your rate may be dependent on your credit score, loan amount, loan to value, and debt ratio. For example, a purchase price of $100,000 with 3% down, loan amount of $97,000 at 5.000% rate with a 5.109%. Annual Percentage Rate results in 360 fixed monthly payments (principal and interest) of $520.72. Payment does not include taxes or insurance. This is an example only. Actual loan payment and APR will vary based on the loan amount, the term, insurance, and any fees.

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