• This is what makes First State Bank famous in Arkansas! Competitive rates, strong loan programs, and best of all, fast, local loan servicing - that means you deal directly with us, all the time!

• "In-House" Terms:

  • 7 - Year Fixed Rate. Enjoy the stability of a fixed rate loan that allows you to build equity in your home faster.

  • 1,3,5, and 7 Year Fixed Rate ARM  Loans - with terms up to 30 years, these loans give you the opportunity to obtain a lower interest rate with the added security of a 6% cap over the life of the loan. 

  • Our Special 7 Year Fixed ARM, 30 Year Term is our most popular in house loan.  This mortgage gives you the stability of a fixed rate loan with the low rate of an adjustable rate mortgage product.

Conventional, Long Term, Fixed Rate Loans:

• With terms from 10, 15, 20, 25, and 30 years, our fixed rate home loans have interest rates that are competitive nationwide. If you’re looking for the traditional home mortgage product, we’ve got the fixed rate and term that will give you the stability you’re looking for.

• Jumbo Home Loans: For those borrowers who need a long term fixed rate loan on amounts over $240,000. These are available in 15 or 30-year terms.

Construction Loans:

Construction to Permanent Loan: No one makes financing your new homes’ construction easier than First State Bank! Our Construction Loans  require only one closing, therefore, you pay closing costs just once. Plus, you have a nine-month construction period and your permanent loan rate is locked in at the time of closing.

Commercial Real Estate Loans:

We’re making Arkansas grow by helping area businesses with their commercial real estate needs. Along with our competitive interest rates, we offer many other advantages such as one, three, and five year balloons as well as fixed rate options.

Consumer Loans:

We make more than just home loans at First State Bank. We’re also there for you when you need financing for boats, cars, education or just about anything else. Our Consumer Loans offer competitive interest rates and flexible terms that will make your purchases even more enjoyable!