Whether you’re purchasing or refinancing your home, we offer you superior service and loan options to fit any need.

On-site Lenders, who care about the communities and people they serve, make all our mortgage loans. We provide extensive lending experience with a wide variety of loan programs, are experiences with the local market, and will thoroughly explain every step of the lending process.
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Home Loans

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.

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Construction Loans & Land Loans

Ready to build your dream home? Is it time to put on that addition for more space? Did you finally find that perfect piece of land? Are you looking to expand the acreage you already have?

Our Real Estate Lenders can walk you through the process from start to finish!

Construction loans provide short-term financing while your home is being built so you can pay contractors as work is completed. Construction to permanent financing can save you a portion of the closing costs associated with those types of loans.

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

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Home Equity Line of Credit

A Home Equity Line of Credit with First State Bank of Wyoming can be your ticket to financial freedom.

Whatever your reason for needing a loan, a home equity loan or home equity line of credit may be the right option for you. If you have equity in your home, you can use it for large purchases like home improvements, cars, cabins, vacations, weddings, and more. We offer affordable programs tailored to your needs: 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.
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Home Improvement

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?

Home improvement loans are a great way to finance home repairs, improvements, and additions. We have fixed rate options so your payment amount won’t change.

There are many reasons “why” and using the equity in your home might make that possible!  Call us today at 651-462-7611 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 (www.consumerfinance.gov/hmda).


Personal Loans

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Auto Loans, Mobile Home, RV, Boat, & Personal Loans

Let us help you finance the new or used vehicle you want!

Learn More

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Ready Reserve Personal Line of Credit

Get added protection for your checking account. Whether you need to borrow now or sometime in the future. Apply today.

Learn More

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Visa® Platinum Consumer Credit Card

This card has been specifically designed for First State Bank of Wyoming customers.

Learn More

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Call Us Today!

We’re here to help. Contact one of our experienced Lenders today.  They can be reached during banking hours by calling (651) 462-7611.