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Home Mortgages and Equity Lines
Local decisions by bankers you have come to trust

  • Home Mortgages

    Looking into buying or refinancing a home?  Confused about what it takes to qualify for a loan?
    You've come to the right place!

    Our mortgage loan officers are extremely professional and have an outstanding reputation for delivering what they promise.

    • They have experience with a wide variety of loan programs
    • They explain to the potential client every step of the transaction
    • They are intimately familiar with the local market
    • They are well-known and respected in the local community
    • They work to eliminate many of the fears and frustrations associated with buying a home

    We focus all of our energy on finding the best way to help you get what you want and stay within your budget. We credit our success to meeting commitments, finding creative solutions, and providing excellent customer service.

    Loan Options

    If your credit is superior, terrific! We have the perfect loan for you at the lowest rate possible. If it's less than perfect or you have unique income streams, let's talk. We know we can help.

    We've made it easy to find which loan is right for you.

    • Fixed Rate Loans
    • Standard Adjustable Rate Mortgages(ARMs)

    Affordable Loans and Special Programs:

    • Federal Housing Administration (FHA) Loans

    We've earned a reputation for dealing fairly with our customers and for honoring our commitments. We're in the people business and we never forget who made our success possible. 

  • Home Equity Line of Credit

    A Home Equity Line of Credit with First State Bank of Wyoming can be your ticket to financial freedom. We offer variable rate loans that use the equity in your home to get you cash. You make monthly payments based on the balance of the credit line. Advances from the loan can be made by check, online banking transfers, phone or in person here at the bank.

    • Affordable programs tailored to your needs.
    • Revolving lines of credit for qualified borrowers.
  • Other Real Estate Loans

    Real Estate Financing should be as individual as you are! Let our experienced Lenders help you achieve your goals.

    • Constructions Loans - Ready to build your dream home? Is it time to put on that addition for more space? Our Real Estate Lenders can walk you through the process from start to finish!
    • Land Loans- Did you finally find that perfect piece of land? Are you looking to expand the acreage you already have? Let us help you!
    • Home Equity Installment Loans- Do you want to use the equity in your home to remodel? Is there a large purchase you want to make and have equity in your home? There are many reasons "why" and using the equity in your home might make that possible! Contact us to discuss your options! 
  • Home Mortgage Disclosure Act Notice

    The HMDA data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions is also available online. For more information, visit the Consumer Financial Protection Bureau’s Web site (