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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 you with the knowledge you need to make an informed decision about which loan is right for you.  We can provide comparisons between:
 
Conventional 10, 15, 20 or 30 Year Loans
FHA 15 or 30 yr. Loans
Portfolio ARM loans

Conventional 10, 15, 20 or 30 Year Loans
Term: 10 years   Maximum Amount: $417,000
 

 Comparison shop and discuss your options with your FSB mortgage lender!


FHA 15 or 30 yr. Loans
Term: 15 years   Maximum Amount: $271,050

Portfolio ARM loans
 

 Sometimes circumstances or job changes create difficulty in qualifying for a conforming conventional loan.  At FSB, we have options to offer that might meet both your short term needs and long term goals.




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 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 $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 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.