Loan Information

First State Bank is proud of the line of lending products it can provide to its customers. While we specialize in traditional mortgage products, First State Bank also offers more unique products, such as bridge and construction loans, to better fit the diverse needs of our customers. Furthermore, First State Bank prides itself in its ability to close loans as quickly and efficiently as possible while keeping closing costs to a minimum.  The following are just a few of the loan products offered by First State Bank.

Consumer & Personal Loans
First State Bank has many types of consumer loans to fit your needs. Our simple interest installment loans and single pay loans are ideal for financing vacations, cars, new furniture, or any other major purchases our customers might make.

Mortgage Loans
Whether you are buying or refinancing a home, planning to build a new one, or simply moving from your current home, First State Bank offers a wide range of loan products to make your transition as easy as possible. First State Bank will also make mortgage loans for a farm, vacant land, investment property, lake houses, rehabilitation, modular or manufactured homes, and even mobile homes (single or double wide).

Construction Loans
First State Bank’s Construction Loans offer flexible and convenient financing for all of our customer’s construction needs. These loans are available for 9-month periods and have no draw inspection fees.  Furthermore, First State Bank makes it extremely simple to convert your construction loan into a permanent, traditional mortgage product upon completion of your new home.

Bridge Loans
First State Bank’s Bridge Loans greatly simplify the process of purchasing a new home and selling an old one. With this product, First State Bank will take a mortgage on your new home being purchased, as well as the remaining equity in your current home. The loan will remain in place until you are able to sell your current home. After the sell of your current home, First State Bank can make the process of converting your Bridge Loan into a traditional conventional mortgage product as simple and stress-free as possible.

Please contact First State Bank and speak with a member of our knowledgeable lending staff to find out how we can provide you with the loan product that best fits your needs.




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Last updated on Oct 19, 2022

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