Fixed Rate Loans

First State Community Bank offers home financing for terms up to 30 years with fixed rates! With a fixed rate mortgage, your monthly payment and interest rate will remain constant for the life of your loan.

Frequently Asked Questions

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Some loan options include:

USDA/Rural Development

Even if you’re not a first-time home buyer, if you have less than 20% to use as a down-payment, this program allows you to borrow up to the appraised value of the home, (allowing you to finance your closing costs). Household income and property location requirements do apply.


An FHA loan might be just right for you. You do not have to be a first-time buyer. With this government-insured loan, your payment may be lower. With seller assistance, you may qualify for little or no out-of-pocket costs.