It’s Not Too Late to Benefit from Today’s Low Mortgage Rates

Take advantage of lower rates to refinance, consolidate debt, or buy your next home.

Mortgage rates are still lower than they’ve been in recent months — giving homebuyers and homeowners new opportunities to save. Whether you’re looking to buy a home, refinance your mortgage, or consolidate high-interest debt, now is a great time to explore your options.

At First State Bank Mortgage, we offer competitive mortgage rates, personal guidance, and local expertise to help you make confident financial decisions.

Here’s how today’s lower rates could benefit you:

• Consolidate debt – pay off high-interest credit cards or other loans and simplify your monthly payments with one affordable mortgage loan.
• Refinance your mortgage – reduce your interest rate, shorten your loan term, or access your home’s equity for renovations, education expenses, or unexpected costs.
• Purchase a new home – afford more home for your budget or keep your monthly payment lower.

Don’t wait until rates start climbing again — take advantage of the current market and see how much you could save.

Use our mortgage calculators to estimate your payments, see potential savings from a cash-out refinance, or calculate how much you could save by consolidating debt.

Disclosures

First State Mortgage is a division of First State Bank of St. Charles, MO, NMLS ID: 416668. Authorized to lend in all 50 states. This is not a loan commitment or guarantee. All loans are subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply.