Savings
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Savings
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Who We Are
First State Bank Mortgage is a full-service mortgage lender that offers mortgage loans for everyone—first-time home buyers, homeowners looking to refinance, or dreamers ready to build a home from the ground up.
Our home loan team has made a name for itself as one of the best mortgage lenders by serving the community’s lending needs with integrity and excellence.
What Sets Us Apart?
Signature 1:1 customer care. We make all lending decisions and do all underwriting in-house. That means you always know who to contact with questions about your home loan process.
Wide reach and range of options. We lend in all 50 states and have access to a full range of mortgages—conventional, FHA and government loans, jumbo and lot loans—to help you find what you need in a home loan:
Competitive mortgage rates
Long-term options
In-house underwriting
Low down payments
How Do We Help You?
Hundreds of variables can affect the outcome of your mortgage transaction. That’s why you’ll have your own personal mortgage team to act as a liaison between the title and escrow company, real estate agent, appraiser, credit agency, attorneys, and other services that can come into play.
Ready to take the first step? Applying online is quick and straightforward. Plus, if you need more time, just save the application and come back to it later. To expedite the process, be sure to have the following information on hand:
- Social Security numbers for all borrowers
- Contact and employment information for all borrowers
- Best estimates of income, assets, and liabilities
Once you’ve completed and submitted your online application, a Loan Officer will be in touch to guide you through the loan process.
Home Loan Options
First State Bank Mortgage offers a wide variety of home loans, including:
Home Buying
Whether you want to lock in a rate or need help navigating the process, we’re here to help make your homeownership dreams a reality.
Refinancing
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
HELOC Loans
Access your home’s equity to secure a flexible line of credit for home improvements, debt consolidation, or other expenses.
Savings
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Real Estate Business Loans
Finance your commercial real estate project with the people’s choice for “best commercial bank” and “best bank.”
Mortgage resources at your fingertips.
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.