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Mortgages Personal Banking

No place like home

Whether you’re a first-time home buyer, upgrading to a new house or building the home of your dreams, our mortgage lenders will guide you through the mortgage process. If you have an existing mortgage, we can also help you determine if you can save money on your monthly payments by refinancing.

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Mortgages for every buyer

We have both secondary market and in-house mortgages available to help make home ownership your reality, including low or no down payment1 options:

Other reasons to choose First State Bank

Timely closings

While mortgage loans have many "moving parts", our team works hard to keep the process moving along with the goal of closing your loan within 30 to 45 days of receiving your completed application.

Constant communication

Our Home Loan Headquarters team will keep you, your agent, and all other parties involved informed with updates on how things are going and if any other information is needed.

Problem solving

Whether you're buying your first home or your next, we'll look at your financing from every angle to find a mortgage program that best fits your needs. And, if any unexpected situations arise, our knowledgeable lenders will proactively work through them to make sure your experience is fantastic!

Apply for a mortgage

There are two ways to apply for a mortgage at First State Bank:

Other mortgages


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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