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First State Bank offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide: Conventional 15 and 30 year mortgages, jumbo mortgages, interim construction loans, and rural recreational and construction loans.
 
30 Year Conventional Loans
15 Year Conventional Loans
Jumbo Mortgage Loans

30 Year Conventional Loans

 These loans are typically underwritten following Fannie Mae or Freddie Mac guidelines.

Term: 30 years   Maximum Amount: $417,000
 

 


15 Year Conventional Loans

 These are conforming conventional loans underwritten using Fannie Mae or Freddie Mac guidelines.

Term: 15 years   Maximum Amount: $417,000
 

 


Jumbo Mortgage Loans

 Jumbo loans typically require a minimum 20% down payment and a 60 month maturity.  The loans can have up to a 360 month amortization. 

Term: 5 years   Maximum Amount: $1,000,000
 

 



 


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.