Flexible Financing For What's Next
Your home is one of the biggest investments you’ll ever make—make sure your mortgage works the way you need it to. Whether you like the stability of a fixed-rate mortgage or need the initial flexibility of an adjustable-rate mortgage, First State Bank has options to fit your plans and budget.
- Fixed or Adjustable Rates: Choose a stable rate or start with a lower one.
- Custom Terms: Find a payment plan that works for your budget.
- Local Decision-Making: Faster approvals with expert guidance.
- Flexible Loan Amounts: From first homes to jumbo mortgages, we’ve got you covered.
What’s the Difference?
Buying a home is a big decision, and the right mortgage depends on your plans for the future. Our experienced mortgage lenders can help you explore your options and find the perfect loan for you.
Fixed-Rate Mortgage
A fixed-rate mortgage is perfect if you’re planning to stay in your home long-term or want the security of predictable monthly payments.
- Lock in your interest rate for the life of your loan.
- Choose from a variety of terms that fit your budget.
- Jumbo mortgages available for loans over $806,500.
Adjustable-Rate Mortgage (ARM)
If you’re planning to move within 10 years or want lower initial rates, an adjustable-rate mortgage could be the right choice.
- Lower rates and payments for the initial term.
- A variety of term options to match your needs.
- Adjusts with the market after the initial period.