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Federal Holiday

All First State Bank offices are closed on Wednesday, June 19, for the Juneteenth federal holiday. We will be open during normal business hours on Thursday, June 20, for your banking convenience. Locations & Hours

Adjustable-Rate Mortgages (ARM) Mortgages

A short-term mortgage solution

For those who know this won't be their "forever home" or anticipate refinancing when rates are lower, an adjustable-rate mortgage (ARM) can be the right option.

  • No income, property or loan limits
  • FICO scores of 620 or more are eligible.
  • Mortgage insurance required if less than 20% down payment.
  • Available for manufactured homes, mobile homes on land, and bare land loans.

Adjustable-rate mortgage features

  • Local underwriting
  • Loans serviced by First State Bank, not a third party.
  • Variable-rate is tied to an index and may increase or decrease.

Apply for a mortgage

  • Make an appointment with a mortgage lender to discuss your home purchase or to apply: (800) 994-2500.

Learn more about our mortgages

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


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

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