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WHEDA Loans Mortgages

Low-cost programs to help you own your own home

First State Bank is an approved WHEDA lender, which means we have a number of mortgages available that are designed to meet the needs of qualified first-time home buyers and veterans.1

  • Finance up to 100% of the purchase price.
  • FICO scores of 620 or more are eligible.
  • Options for monthly mortgage insurance or no mortgage insurance are available.
  • Income limits may apply.
  • Home buyer education is required.

Learn about our mortgages

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


1Borrowers who have not owned a principal place of residence in the last three years. This requirement is waived if a home buyer is purchasing a home in a federally designated target area.

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