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Let us help you purchase your dream home.
Finding the right home loan can make buying a home feel more manageable. Whether you’re purchasing your first home, upgrading to a larger space, refinancing, or building it from the ground up, First State Bank offers a variety of mortgage loan options designed to fit different financial goals and borrowing needs.
Our experienced mortgage lenders will help you compare home financing solutions, understand interest rates and loan terms, and choose the right mortgage program for your situation.
We offer a variety of mortgage loan programs designed to support different home financing needs. From conventional mortgage loans and government-backed programs to construction and renovation financing, our lending team can help you explore options based on your credit history, down payment, property type, and long-term homeownership goals.
A conventional home loan is a popular mortgage option for homebuyers with established income and credit. With down payment options starting as low as 3% for qualified borrowers, conventional home loans may offer competitive interest rates and a variety of term options for qualified buyers.
FHA loans make homeownership more accessible with competitive interest rates and down payments as low as 3.5%. FHA home loans are often a strong option for first-time homebuyers or buyers with limited savings.
VA loans provide eligible veterans, active-duty service members, and surviving spouses with valuable home financing benefits. Backed by the U.S. Department of Veterans Affairs, VA mortgage loans often require no down payment and no private mortgage insurance (PMI), making them a powerful and affordable option for qualified military borrowers.
USDA rural loans are designed to make homeownership more affordable in eligible rural and suburban areas. Backed by the U.S. Department of Agriculture, USDA home loans offer 100% financing with no down payment and income-based eligibility requirements. With lower monthly mortgage insurance than many other loan programs, USDA home loans provide a cost-effective path for qualified buyers in eligible areas.
Jumbo loans are designed for higher-value homes that exceed the 2026 conforming loan limit of $832,750. These home loans may offer competitive interest rates and financing options tailored to higher-value properties in today’s housing market conditions.
Whether you’re buying a vacation home on the lake, a beach getaway, or a cabin in the mountains, second home loans offer financing options to help you purchase your home away from home. With competitive second home mortgage rates and a variety of loan programs, you can find an option that aligns with your financial goals.
Home buying loans designed for physicians, dentists, and other qualified healthcare professionals.
Loan program designed to support firefighters, law enforcement, and EMS professionals with competitive financing for home purchases.
Finance the cost of building a home, with options that may convert to a permanent mortgage once construction is complete.
Simplify the process of buying or improving a home by combining your mortgage and renovation costs into a single loan.
Secure financing to purchase residential land now, with the option to build a home at a later time.
Short-term home financing designed to help cover the gap between buying a new home and selling your current one.
Extra support can make all the difference. Many buyers may qualify for home buying assistance programs, including grants that can be used for down payment or closing costs, as well as discounted mortgage rate options. These programs can save you money and make homeownership more accessible.
Frequently Asked QuestionsHome loan questions answered by in-house experts.
Mortgage Insurance protects the lender from financial loss in the event that a borrower defaults on their loan obligation. While mortgage insurance can add to the monthly mortgage payment, it does benefit qualified borrowers who purchase a home with smaller down payments, making homebuying more accessible to buyers.
No, not all home loans require mortgage insurance. Mortgage insurance is typically required when a borrower makes a down payment of less than 20% on a conventional loan or uses certain government-backed loan programs like FHA or USDA loans.
Down payment requirements vary based on the loan program and your financial situation. Some loan options allow qualified buyers to purchase a home with as little as 0% to 3% down, while others may require a larger down payment. A First State Bank mortgage lender can help you explore the options that best fit your needs and goals.
Try our free mortgage calculators to estimate your mortgage payment, down payment, and more.
Credit score requirements vary depending on the loan program, but many mortgage loans are available for borrowers with scores starting in the 600s. Higher credit scores can help you qualify for better interest rates and more loan options, but factors like income, down payment, and overall financial profile are also considered.
Mortgage prequalification is an initial estimate of how much you may be able to borrow based on basic financial information you provide. Mortgage preapproval is a more detailed review of your income, assets, credit, and documentation, giving you a stronger indication of the loan amount you may qualify for and helping show sellers you are a serious buyer.
Every home buying journey is different. The right lender will help you compare options, understand your interest rate, and feel confident in your decision.
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First State Bank 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.
