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Whether you're a first-time homebuyer, you're looking to refinance, or you're ready to change your housing situation, we can guide you through the process. We have a combined 100 years of experience in home loans and mortgages. Let us put our experts to work.

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Dedicated Account Team
Individual Loan Officers With Over 30 Years of Experience
Quick Decisions on Loans
Commitment to Community
Nationwide Mortgage Lending
Nebraska Owned and Operated
Extensive Knowledge of Mortgage Process
Guidance for First Time Home Buyers
Ease and Simplicity in Mortgage Lending

Home is Where the Heart Is

Our Mortgage Professionals Know Realty in the Heartland

Our specialized mortgage loan offices in Omaha, Gothenburg, and North Platte have years of experience to guide you in the process of home ownership. First-time home buyers can be overwhelmed by the number of requirements, paperwork, regulations, and even math that procuring a home requires. Our loan officers are approachable, friendly, and break down complex concepts to make housing your family an achievable goal. We can assist you with residential mortgages, agricultural loans, and other mortgage and lending needs.  Our officers keep their finger on the pulse of the US housing market, and emphasize the closeness of our relationships to build valued partnerships that last for a lifetime.



Secondary Market Home Loans

Offering you more flexible financing options.

  • Federal Housing Admin Loans
  • Conventional
  • JUMBO/FHA/VA Loans
  • USDA Rural Housing
  • NIFA

First Time Home Buyer Experience

We’re excited to walk this journey with you!

  • Vast Mortgage Knowledge
  • Ease and Simplicity in Mortgage Lending
  • Guidance Every Step of the Way


Providing flexibility.

  • Lower Rate & Payment
  • Shorten Term
  • Payoff Outstanding Debt
  • Ability to use Equity
  • Switch from Adjustable to a Fixed Rate

Start Banking with 1st State Bank Today

Let Us Be Your Banking Partner

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First State Bank
NMLS#: 721567