MORTGAGE

Government Loans (FHA/VA/MSHDA)

Mortgage > Home Loans > Government Loans (FHA/VA/MSHDA)

Affordable Options for Every Homebuyer

Finding the perfect home is exciting—financing it shouldn’t be stressful. First State Bank meets you where you are with home loan options tailored to fit your needs. Whether you’re a first-time buyer, a Veteran, or need help financing your home, we’re here to make homeownership easier.

Low Down Payment Options: Affordable solutions to help you get started.
Flexible Loan Programs: Loans designed to fit your financial situation.
Competitive Rates: Keep your monthly payments within reach.
Local Expertise: Work with people who know your community.

Explore Our Home Loan Options

FHA Loans

Perfect for first-time buyers or those with low to moderate income.

3.5% down
Choose from fixed or adjustable-rate options.
Enjoy easier credit requirements, making homeownership more accessible.

VA Loans

Designed for Veterans, active-duty service members, and their families.

0% down
Benefit from low or no down payment options.
Choose fixed-rate loans with flexible terms.
Take advantage of competitive rates and lower fees.

MSHDA Loans

Great for Michigan first-time homebuyers with low to moderate income.

1% down.
Affordable mortgages to keep monthly payments manageable.
Down payment assistance to help you get started.
Fixed terms for predictable, budget-friendly payments for conventional or government
Other options include ARM Assist Refinance and Rescue Refinance loans.

For Complete Details and Eligibility Requirements