Skip to main content Go to Online Banking

WHEDA Loan 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.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.

Register for home buyer education

Broaden your understanding of the home buying process with the Framework course for Fannie Mae® which is a free educational course for those using a first-time home buying program or looking to get home ready.

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.

Top
Some content requires Adobe Acrobat Reader to view.