Home Loans
Helping You Find a Place to Call Home
Whether you’re buying your first home, building your dream home or refinancing your current mortgage, we’re here to guide you every step of the way with local expertise and personalized service.
Home is where life happens. It’s where milestones are celebrated, traditions are created and memories are made.
At The First State Bank, we understand that purchasing a home is about more than financing, it’s about finding the place where your next chapter begins. That’s why our experienced mortgage lenders take the time to understand your goals, answer your questions and help you choose the loan that’s right for you.
From your first conversation to closing day and beyond, you’ll have a trusted partner by your side.
Home Loan Solutions
Home Mortgage Loans
Whether you’re buying your very first home or moving into your forever home, we’ll help you navigate the homebuying process with confidence and personalized guidance.
Home Construction Loans
Building a home is an exciting journey. We’ll work with you to provide financing that helps bring your vision to life.
Home Refinancing Loans
Make the most of your investment. Refinancing may help you lower your monthly payment, adjust your loan term or access your home’s equity to achieve other financial goals.
Home Equity Line of Credit (HELOC)
Put your home’s equity to work. Your home may be one of your greatest financial assets. A home equity live of credit gives you flexible access to funds for home improvements, education expenses, debt consolidation, major purchases or other unexpected needs.
Why Finance Your Home with The First State Bank?
Home Lending is Personal
No two families are alike. Our lenders take the time to understand your goals, explain your options and help you make confident decisions throughout the lending process. We’re here to answer questions, simplify the process and celebrate with you when it’s time to receive the keys.
What You Can Expect
Local Decision-Making
Work with lenders who know our communities and understand the local housing market.
Personal Guidance
We’re here to explain your options and support you from application to closing and beyond.
Competitive Financing
Flexible loan solutions are designed around your financial goals.
Trusted Relationships
We’re committed to serving your family long after closing day.
Mortgage Tools and Resources
Planning Starts Here
Buying a home is a big decision, and we’re here to help you prepare with helpful tools and resources.
Mortgage Payment Calculator
Estimate your monthly mortgage payment and explore different loan scenarios to better understand your budget.
Financial Calculator
Compare loan options, estimate affordability and explore other financial planning tools.
Rooted in Our Communities
Whether you’re buying your first home, upgrading to a larger home, building, or putting down roots, The First State Bank teams in Norton, Plainville, Hill City, Hoxie and Holdrege are proud to help families find a place to call home.
Equal Housing Lender
First State Bank Does Business in Accordance With Federal Fair Lending Laws.
Under the federal fair housing act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to:
- Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or
- Discriminate in fixing the amount, interest rate, duration, application procedure, or other terms or conditions of such a loan, or in appraising property.
If you believe you have been discriminated against, you should send a complaint to:
Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410
For processing under the Federal Fair Housing Act And To:
FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, Missouri 64106
For processing under the FDIC Regulations
Under the equal credit opportunity act, it is illegal to discriminate in any credit transaction:
- On the basis of race, color, national origin, religion, sex, marital status, or age.
- Because income is from public assistance, or
- Because a right has been exercised under the Consumer Credit Protection Act
If you believe you have been discriminated against, you should send a complaint to:
FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, Missouri 64106
Reg GG Policy
Transactions restricted by the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) are prohibited from being processed through commercial accounts. This prohibition became effective on January 19, 2009, with mandatory compliance required by June 1, 2010.
As defined in Regulation GG, Unlawful Internet Gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made.” These restricted transactions are prohibited from being processed through an account or banking relationship with the bank. If you do engage in an internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.
Please contact the bank if you would like additional information on UIGEA or Regulation GG.
