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First State Mortgage

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United States
Scottsdale, AZ
First State Mortgage

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First State Mortgage is a full-service mortgage lender offering home loans and refinancing. We look forward to putting out mortgage service to work for you!

Who We Are

First State Mortgage is a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance to construction lending. Since 1867, we have built a strong reputation as a trusted, established mortgage lender, serving the lending needs of real estate professionals, builders, and individual homebuyers in the communities we serve. In addition to competitive rates, we offer in-house processing, underwriting, and closing. Loan Programs:

First State Mortgage is committed to taking the stress out of the loan process and ensuring our customers' total satisfaction. To do this, we have secured direct access to hundreds of loan programs that can meet each of our customer's varied and diverse situations. Our Mortgage Loan Programs include:
- Conventional
- FHA
- VA
- USDA
- JUMBO
- Construction & Rehab Loans
- And more! Our Commitment

Our commitment is to provide our community with superior home financing solutions and resources. We offer countless loan programs to find the best fit - and the best RATE - for your new home purchase or refinance. How to Reach Us

For more information, please visit our website at www.fsmortgage.com, come by and see us, or call us at (480) 465-4555. First State Mortgage, a division of First State Bank of St. Charles, MO | NMLS ID: 416668
Licensed to lend in all 50 states. Equal Housing Lender.

11/02/2026

In honor of Veteran’s Day, we're grateful for the courage, dedication and sacrifices of our military service members and veterans.

As a token of our appreciation, we're offering eligible military veterans and active-duty service members a $250 closing cost credit when financing an eligible VA home loan.

Whether you're purchasing your first home, relocating or preparing for your next chapter, our mortgage team is here to help you explore your home financing options.

Offer available on VA Loan applications received November 1–30, 2026.

Learn more about this limited-time offer: https://bit.ly/VA_Loan_offer

Subject to eligibility requirements, credit approval and offer terms.

10/31/2026

👻 Don't let mortgage myths haunt your homebuying journey!

From down payment misconceptions to questions about loan options, buying a home can come with plenty of uncertainty.

At First State Mortgage, our experienced lenders can help you separate fact from fiction and explore financing options that fit your needs.

🎃 No tricks. Just helpful guidance.

Learn more: https://bit.ly/4BggGt7

10/28/2026

Honoring Those Who Answer the Call.

This National First Responders Day, we recognize the firefighters, law enforcement officers, EMTs and other first responders who dedicate themselves to protecting and serving our communities.

At First State Mortgage, we're proud to support those who serve with our First Responder Loan, offering eligible borrowers 100% financing and no borrower-paid private mortgage insurance (PMI).

You’re there when your community needs you. We’re here when you’re ready to make your homeownership dreams a reality.

Learn more about our First Responder Loan: https://fsbfinancial.com/mortgage/home-loan-options/home-buying/first-responder-loan/

10/14/2026

The holidays have a way of showing you what’s working in your home—and what could work a little better.

Maybe the kitchen feels crowded, you could use another bedroom or that unfinished basement is starting to look like valuable living space.

If you’ve built equity in your home, a cash-out refinance or home equity line of credit (HELOC) may be worth exploring to help finance renovations or repairs.

Before you start planning, learn how these options differ and what to consider when deciding whether improving your current home makes sense for you.

Read more: https://bit.ly/refi-holidays

10/05/2026

Looking for ways to make your home purchase more affordable? A seller-paid buydown may be an option to consider. You may be able to negotiate a seller concession that can be used toward a temporary buydown, helping lower your interest rate and monthly payment during the initial years of the loan — and potentially putting thousands of dollars back in your pocket.

With a 2/1 buydown, the rate is 2% lower in the first year and 1% lower in the second year. A 1/0 buydown provides a rate that's 1% lower during the first year.

Learn more about temporary buydowns and your options for lowering your initial mortgage payment. https://bit.ly/temporary_buydown

09/24/2026

Spring and summer may get most of the attention from homebuyers, but your home search doesn’t have to end when the leaves start changing.

Fall can give you a different look at a home and neighborhood—and depending on your local market, you may encounter fewer active buyers than during the busy spring and summer months.

It can also be a good time to get your financing in order, explore your options and be prepared when the right home comes along.

See why fall may be worth a second look for your home search: https://bit.ly/fall-mortgage-tips

09/07/2026

Happy Labor Day from First State Mortgage! Today, we celebrate the hard work and dedication of the people who help make our communities stronger.

In observance of Labor Day, our mortgage location will be closed on Monday, September 7.

We hope you have a safe and relaxing Labor Day!

08/20/2026

Many buyers are waiting for lower interest rates.

But mortgage rates are only one factor in buying a home.

If home values continue to increase, waiting could mean:
• Paying more for the same home
• Borrowing more
• Needing a larger down payment
• Missing valuable time building equity

Every buyer's situation is different. We can help you understand your purchasing power and make an informed decision.

Learn more: https://bit.ly/the-real-cost-of-waiting-to-buy

08/03/2026

Is waiting for lower interest rates really the most affordable option?

Not always.

If home prices continue to rise, waiting could mean paying more for the very same home—even if mortgage rates come down.

Before you decide to wait, let us help you understand today's market and determine what makes the most financial sense for your situation.

Learn more: https://bit.ly/the-real-cost-of-waiting-to-buy

07/16/2026

🚨 Could you spot an imposter scam?

Scammers are getting more convincing by pretending to be your bank, a government agency, or even a family member. Learn the warning signs, what legitimate organizations will never ask you to do, and simple ways to protect yourself and your money.

Read more: https://bit.ly/4gIBIss

Address

7047 E. Greenway Parkway, Ste. 250. Rm. 251
Scottsdale, AZ
85254

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+14804654550

Website

http://fsmortgage.com/

Alerts

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