Mortgage Loans


We understand that missing a closing date can be stressful. At First State Bank, the clock starts ticking from the first conversation with an excited home buyer to the successful closing of their new home. With high levels of communication throughout your loan process, years of proven experience and excellent customer service, we will ensure your home buying experience is a great one. Stop by and visit with one of our loan officers today concerning:

  • Fixed and Adjustable Rate Mortgages
  •  Residential Interim Construction Loans
  •  Purchase 
  •  Refinancing Loans
Aidee And Ricardo Ornelas

AAEqual Housing Lender

Home Purchase

The idea of purchasing a home, whether your first or fifth, is likely to bring many questions. For most people, it's the largest purchase they will ever make. Find comfort knowing that our team is here to assist you every step of the way. Let us help guide you through the journey into your dream home! 


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Residential Lots

Purchasing a residential lot is oftentimes the first step in realizing your dreams of building a new home.  Let one of our lenders use their experience and knowledge to discuss the options and variety of available programs.


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Home Improvement Loans

Would you rather 'Fix-Up' than Move Out? With a home improvement loan from First State Bank, your options are as open as your imagination. Perhaps it's a new kitchen, the pool of your dreams or making room for a loved one, our flexible terms and competitive rates may be just what you need to turn your dream into a reality.


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Home Equity Loans

A Home Equity Loan lets you put the equity in your home to work for you.  Whether you're consolidating debt, paying for your child's education or you need cash to start a small business, a home equity loan provides a wonderful source of financing.  The mortgage loan experts at First State Bank will be happy to sit down and walk you through the various options that are available. 


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Recreational Property

Do you want to spend more time outdoors? These specialized loans allow you to purchase land for hunting, fishing, hiking, four-wheeling or simply making memories with family and friends. Come see one of our lenders and learn more about the many benefits to recreational property. 


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First State Bank and its Mortgage Loan Originators (MLOs) are registered with the National Mortgage Licensing System & Registry.

  • 779389 Rincon, Jose Armando
  • 779387 Moore, Steven Earl
  • 779390 Tackett, Lawrence Lee
  • 1966509 Petersen, Brandon Derrick
  • 504418 Self, Fagelyn N
  • 741009 Laird, Blake Alton
  • 779383 Dwelle, Daniel A
  • 779388 Neill, Michael Austin
  • 2257189 Smith, Haylee Nicole
  • 779384 Eckert, Jay Fredrick   
  • 2379415 Bynum, Landon  
  • 757451 Padron, Carlos                             
  • 1301939 Medina, Sean T.
  • 1862069 Strange, Rachel Gurley
  • 887699 Montfort, Russell Harris
  • 1955874 Howell, Kemmie Lyn
  • 2429164 Bashinski, Darren James

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For questions and additional information on any of our products, please contact one of our E-Commerce Representatives at (903) 676-1900.

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