Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice.


*Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender.


The rates shown above are the current rates for the purchase of a single-family primary residence. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your guaranteed rate will depend on various factors, including loan product, loan size, credit profile, property value, geographic location, occupancy, and other factors.


Application can be made by calling 877-955-3722, by applying online, or by meeting with a mortgage loan officer.



30 & 15 Year Fixed-Rate Loans - Conforming rates are for loan amounts not exceeding $510,400. Annual Percentage Rate (APR) calculation is based on estimates included in the table above with borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR.


USDA Rural Development - This program has restrictions on property location and household income. Click here to determine if your property is eligible.


FHA Loans - A Federal Housing Administration (FHA) loan is a government-backed home mortgage loan with more flexible lending requirements than conventional loans. Because of this, FHA mortgage interest rates may be somewhat higher. The buyer will also have to pay monthly mortgage insurance premiums, along with their monthly loan payments. FHA loans come in 15- and 30-year options.


VA Loans -VA loans are home mortgages backed by the Department of Veterans Affairs (VA). With a VA loan, eligible service members and veterans can buy a home with little or no down payment or refinance an existing home to get cash out or a lower monthly payment. First State Community Bank offers 15- and 30-year options.


As an approved lender for the VA Home Loan Guarantee Program, First State Community Bank can offer service members, veterans, and eligible surviving spouses favorable terms on all types of home mortgage products. And if you don't meet the qualifications for a VA loan, FHA loans offer similar advantages, including lower down payment requirements. Contact a mortgage loan officer today for more information about VA home loans and current VA mortgage rates.