Scammers are using tactics to target unsuspecting customers. We ask for you to be diligent in protecting your banking information! Please note that our representatives will never call and ask customers for Login Credentials, card information, or detailed account information. If you receive a call from anyone claiming to be from the First State Bank (FSB) fraud department and their inquiries include requests for the info above, please do not share that information.

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.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Featured Offers Locations Rate Center Careers Contact Us

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