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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

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 mortgages designed to meet the needs of qualified first-time home buyers and veterans.1

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

Apply for a WHEDA loan

  • Make an appointment with a mortgage lender to discuss whether you qualify for a WHEDA loan or to apply: (800) 994-2500.

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 more 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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