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Conventional Mortgages Mortgages

Mortgage loans to fit your needs

We offer conventional fixed-rate mortgage and adjustable-rate mortgage (ARM) financing options to provide flexible financing for every borrower and need, including 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 payment1

Fixed-rate mortgages

Choose the term that best fits your needs and enjoy a competitive rate.

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.

1All loans subject to credit approval. Your 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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