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 expert who will guide you every step of the way.

Give us a call or stop in. Tell us what you’d like to achieve. Whether buying, building or refinancing, we’ll create a roadmap to get you there. Together.


  • Mortgage Rate Relief: Whether you are just beginning your homeownership journey or are in a home and looking to reduce your existing rate, this information will provide a greater understanding of the Mortgage Rate Relief product available through Federal Home Loan Bank of Des Moines and First State Bank and Trust. 
  • Purchases: Buying a home is an exciting experience, but it can be overwhelming. From pre-approval to closing, we'll work with you and your realtor for a smooth and stress-free home-buying process. Whether it's a home, vacation getaway, condo, or land purchase -- we'll be with you the whole way.
  • Refinances: If you're looking for a better interest rate or term on your existing loan, look no further. Here at First State Bank and Trust, we will provide you with the information you need to make a sound decision.
  • Construction Loans: Your dream home is within reach. We will work with you, your builder and a title company to process your draws quickly and efficiently. When your project is complete, we can roll the loan to permanent terms or evaluate different options with you.
  • Bridge Loans: You've found your new home, but haven't sold your current home. Now what? With a bridge loan, you can use equity in your current home for the down payment of your new home allowing for a less stressful move. 
  • Home Equity Lines of Credit: We understand the value of your house, not just as an asset, but as your home. We offer revolving lines of credit secured by your home's equity. Emergency expenses, a home improvement project, tuition -- the line's available when and how you need it.
If you have any questions on your mortgage loan with First State Bank and Trust, please feel free to contact us at 1.800.848.4897.

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