Mortgage Hub

Bringing You Home

Your dream home starts with the right loan. We offer mortgage solutions to help you buy, refinance, or build with confidence. With personalized service and competitive rates, we make homeownership simple and stress-free.

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Home Loan Solutions

At First State Bank, we know that everyone has different home financing needs, which is why we don't believe in one-size-fits-all mortgage solutions. We offer a broad range of loan options, and we're here to help you find the loan that works best for you.

Give Us a Call Before You Start Shopping

Before you start your house search, get qualified! Getting qualified lets you know what you can afford, shows sellers that you're serious, and it may even allow you to close faster!

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Buy Now, Sell Later

Do you need the funds from your current home to purchase a new one? With a Bridge Loan from First State Bank, you can secure your new home without waiting for your current home to sell.

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Our Team

Our experienced lenders are dedicated to helping you find the right loan for your home. With personalized guidance and expertise, we’re here to make homebuying smooth and stress-free.

Meet the Team

Mortgage Resources

Brieanne W.

Roseville, MI

I highly recommend Ann Mickens and First State Bank for anyone buying their home, but especially a first-time home buyer. Every step was explained in detail, and I never felt left in the dark. They made sure I knew exactly what to expect. I can't recommend them enough. Thank you for making this such an enjoyable process.

With You Every Step of the Way

When you work with First State Bank for your home loan needs, you're working with a team of expert lenders who care about helping you find the right loan for your needs, and who will be with you from application to close.

More Than a Rate

Amazing Customer Service

Mortgage Touchdown with Mike Danna

Bridge Loan

Home Loan Solutions

Fixed- or Adjustable Rate Mortgages

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.

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Government Loans (FHA, VA, MSHDA)

Whether you’re a first-time buyer, a Veteran, or need help financing your home, we’re here to make homeownership easier.

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Bridge Loan

Buy your next home without waiting to sell. When buying your new home doesn’t align perfectly with selling your current one, a Bridge Loan from First State Bank can help.

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Community Heroes Loan

If you’re a teacher, EMT, paramedic, police officer, or fire professional, you may qualify for a Community Heroes mortgage.

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Investor Advantage Loan

Whether you’re flipping a house or improving a rental property, the Investor Advantage Loan from First State Bank provides the funding you need to make it happen

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Portfolio Loan

If a conventional loan doesn’t fit your situation or property, a Portfolio Loan from First State Bank might be the perfect fit.

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Ready to Get Started?

Ready to take the next step toward homeownership?
Apply for a mortgage loan today and let our team guide you through the process.
It’s quick, easy, and we’re here to help every step of the way.

Apply Online Today