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Finding and Buying a Home

Owning your own home is one of life’s most satisfying achievements. Yet, without the right kind of guidance, financing your home can seem complicated and overwhelming. At First State Bank and Trust, you’ll get a competitive rate and something extra: an honest professional who will guide you every step of the way. Tell us what you'd like to achieve. Then let's get there. Together.
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1. Start Saving

Achieving a savings goal is all about putting the right amount in the right places. We’ll help you with both.
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2. Rank What's Important

You shouldn’t shop for groceries when hungry or shop for a home without an idea of what you want. Our handy HomeShopper list (Opens in a new Window) gives you things to consider, plus an easy way to prioritize them.
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3. Get Pre-Approved

Our mortgage lenders are super friendly professionals who can pre-approve in writing what size mortgage you can afford. This is helpful to a seller, a realtor, and especially to you, the buyer. Let us introduce you.
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4. Buy Your New Home

Whether by yourself or with a realtor, shopping is the fun part - especially with your HomeShopper list and pre-approval in hand. When you've found your home, work with our knowledgeable mortgage team as they guide you through the closing process.
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5. Obtain Homeowners Insurance

Homeowners insurance is required by your mortgage lender and protects your home and possessions. Our knowledgeable insurance agents can find the best policy for your needs without the hard sell. We'd love to introduce you.

Have another goal you would like to achieve?