Buying a home is likely one of the most important investments you will make. Our goal is to make the mortgage process as easy as possible and to connect you with a mortgage and rate that will fit your budget for the long-term.

You can get your application started online in as little as 20 minutes:

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit.
  3. Your application will be reviewed by a First State Bank Relationship Manager no later than the next business day. At that time, your Relationship Manager will also follow up to answer your questions, make suggestions, and request any other information that might be needed.
Prefer to work on your application face to face?

As your "go to" person, our Relationship Managers are only a phone call or email away if you have a question or need help. Our Relationship Managers also welcome the opportunity to help you complete your mortgage application in person. Contact us at 1-800-994-2500 to set up a time to meet with a Relationship Manager or contact a Relationship Manager directly: Relationship Manager Directory.

Which loan option is best for you?

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. While there are easy to understand explanations of each program online, you don't have to worry about being a mortgage "expert" yourself. Let our Relationship Managers explain the pros and cons of each option so you can be confident that you have made the choice that's right for you.