First State Bank of St. Charles, MO is a full-service mortgage lender that has been serving the community since 1867. Our experienced staff offers mortgage loans for all types of borrowers, whether you're buying your first home, refinancing, or building from the ground up. We have access to a wide range of mortgage sources, providing you with options such as low rates, shorter or longer-term loans, flexible credit approvals, and low down payment options. Our lending decisions are made locally, and we handle underwriting in-house, ensuring quick responsiveness to your loan inquiries. Additionally, we provide you with a personal mortgage team to act as a liaison between various parties involved in your mortgage transaction. Completing our online application takes around 15-20 minutes, and once submitted, a Loan Officer will guide you through the loan process. To facilitate the application, gather necessary information like Social Security Numbers, contact and employment details for all borrowers, and estimates of income, assets, and liabilities. Connect with us to find a lender, explore mortgage options, use mortgage calculators, and access our tools and resources.