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If you receive a call that appears suspicious, disconnect the call and contact First State Bank immediately at 866-372-1275. If it is after hours, leave a message regarding your concern and we will contact you on the next business day.

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MORTGAGE

Community Heroes

Mortgage > Home Loans > Community Heroes

For Those Who Serve

Supporting Those Who Support Our Communities

At First State Bank, we’re proud to give back to those who give so much to our communities. Our Community Heroes Mortgage makes homeownership easier and more affordable for teachers, EMTs, paramedics, police officers, and fire professionals.

  • Borrow More: Finance up to 99% of your home’s purchase value.
  • Keep Monthly Costs Low: Reduced mortgage insurance costs compared to traditional programs.
  • Choose What Works For You: Choose from a variety of term lengths to fit your lifestyle.

Eligibility

Who Can Apply?

If you’re a teacher, EMT, paramedic, police officer, or fire professional, you may qualify for this program. Approval is based on credit score and debt-to-income requirements, and employment verification is required.

Calculators

Crunch Your Numbers

How much home can you afford? Use the Home Affordability Calculator to determine the home price and monthly housing cost you can afford.

How much does it cost to buy versus to rent? Use the Home Rent vs Buy Calculatorto compare the cost of buying and renting over the coming years.

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We offer mortgage solutions to help you buy, refinance, or build with confidence.

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Community Involvement Hub

Community events, sponsorships, and additional community support.

Let’s Make Homeownership Happen

Ready to take the next step? Call us, stop by your nearest branch,
or apply online today - we can’t wait to help you get started.

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