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Mortgage Products

First State Bank and Trust has a full range of lending options with competitive rates and fees.  Pair that with unmatched customer service and you'll be ready to buy, build or refinance.  Give us a call or stop in-we'll be happy to help.

  • 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.
  • Home Equity Loans:  You've worked hard to build up equity in your home.  It's time to put that equity to use for remodeling, debt consolidation or even a dream vacation.  Whatever your goal is, we'll provide you with the facts you need to make a well-informed choice.
  • 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.
  • Boat Slip Loans:  We work with St. Croix Valley marinas to finance the purchase of slips.  If you are in the market for a refinance-we do that too.
  • Commercial Loans:  If it's time to accommodate your company's growth with additional space, First State Bank and Trust can assist with financing.  We have flexible products for purchases, refinances or construction.