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Mortgage and

Real Estate Loans

Whether you’re purchasing your first home or you’ve been through the home-buying process before, it pays to work with an experienced lender who understands your needs. That’s exactly what you can expect with First State.


Home Loan Solutions

No two home loans are the same, but First State experienced lenders have seen it all. All home loan decisions are made in-house, where First State handles everything from your mortgage origination to closing services. Home Loan offerings include:

  • Fixed-rate mortgages
  • Home refinances

To begin the process, click Apply Now to fill out the application.

Apply Now


Real Estate Loans

First State’s wide range of lending options include:

  • Home purchase loans
  • Home construction loans
  • Lot purchase loans
  • Land development loans

To begin the process, download, and fill out the Residential Loan Application.

Download Application


Homeownership Set-Aside Program

If you're considering taking the leap and purchasing your first home, it may be beneficial to speak with our Mortgage Team to see if you qualify for a loan through the Homeownership Set-Aside Program. To learn more, click the link below.

Learn More