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Loan Programs

Diverse, Competitive, Bank-Powered Financing Solutions

As a bank-owned mortgage company, FSB Mortgage is able to offer a wider array of loan products than other organizations can, including both conventional and non-conforming loans, government-backed products, and flexible home equity lines of credit.


Down Payment Assistance Loans

Our DPA program has many advantages over other loans, which makes them an excellent choice for first-time homebuyers and homebuyers with less than perfect credit.

FHA Loans

Mortgages backed by the Federal Housing Administration with less strict financial requirements for borrowers.

USDA Loans

Mortgages that are available with no down payment and very favorable terms for rural homebuyers.

VA Loans

Loans with flexible finance requirements that are backed by the Department of Veterans Affairs for active or former service members and eligible spouses.

Conventional Fixed-Rate Mortgage

Lock in your mortgage interest rate over the lifetime of the loan.

Conventional Adjustable-Rate Mortgage

Choose a mortgage with low initial monthly payments for the first several years of the loan.

Jumbo Loans

Delayed financing options are available for non-conforming loans up to $5,000,000.

Home Equity Line of Credit

Take advantage of up to $250,000 of the equity you’ve built in your home with a line of credit.