HomeMortgage

Mortgage, refinancing, and construction loans, serviced in-house.

Who We Are

First State Bank Mortgage is a full-service mortgage lender that offers mortgage loans for everyone—first-time home buyers, homeowners looking to refinance, or dreamers ready to build a home from the ground up.

Our home loan team has made a name for itself as one of the best mortgage lenders by serving the community’s lending needs with integrity and excellence.

What Sets Us Apart?

Signature 1:1 customer care. We make all lending decisions and do all underwriting in-house. That means you always know who to call with questions about your home loan process.

Wide reach and range of options. We lend in all 50 states and have access to a full range of mortgages—conventional, FHA and government loans, jumbo and lot loans—to help you find what you need in a home loan:


  • Competitive mortgage rates


  • Short- or long-term options


  • Flexible credit approvals


  • Low down payments

How Do We Help You?

Hundreds of variables can affect the outcome of your mortgage transaction. That’s why you’ll have your own personal mortgage team to act as a liaison between the title and escrow company, real estate agent, appraiser, credit agency, attorneys, and other services that can come into play.

Ready to apply? You can do it online in 15-20 minutes. Need more time? Just save the application and come back to it later. To expedite the process, be sure to have the following information on hand:

  • Social Security numbers for all borrowers
  • Contact and employment information for all borrowers
  • Best estimates of income, assets, and liabilities

Once you’ve completed and submitted your online application, a Loan Officer will be in touch to guide you through the loan process.

Home Loan Options

First State Bank Mortgage offers a wide variety of home loans, including:

Home Buying

Whether you want to lock in a low down payment or avoid mortgage insurance, we’re here to help make your homeownership dreams a reality.

Refinancing

Maybe cut your mortgage payments. Consolidate debt. Finance a large expense. There’s more than one reason—and way—to refinance.

Home Equity

Tap the home equity you’ve earned to secure a flexible line of credit for home improvements, debt consolidation, or other expenses.

Home Loan Refinance

Reduce your mortgage rate or monthly payments, consolidate credit card debt, or fund other financial goals.

Real Estate Business Loans

Finance your commercial real estate project with the people’s choice for best commercial lender and best local bank.

Mortgage resources at your fingertips.

Mortgage Myths vs. Facts #1: “No Cost Refinance” programs have no fees or out-of-pocket costs.

Fact: The lender pays your closing costs but increases your interest…

Mortgage Tools & Resources

Buying a home is a big life milestone. Use these tools and resources to make an informed decision.

Mortgage Calculators

Do the math to fine-tune what you need in a mortgage loan.

    Disclosures

    First State Bank Mortgage is a division of First State Bank of St. Charles, MO. NMLS ID: 416668, and licensed to lend in 50 states. This is not a loan commitment or guarantee of any kind. All loans subject to approval. Programs, rates, terms and conditions are subject to change without notice.