Whether you’re buying your first home or refinancing your forever home, we’re here with guidance, integrity, and competitive rates every step of the way.
NMLS# 509255
At First State Bank, we don’t just offer mortgages, we build relationships. With deep roots in the community and decades of trusted experience, our mortgage team is here to provide stable, personalized lending solutions to help you move into the home you’ve always wanted.
Every buyer is unique. That’s why we offer a wide range of mortgage products designed with flexibility, competitive rates, and your financial goals in mind.
Conventional Loans
Great for qualified buyers looking for a predictable monthly payment.
FHA & VA Loans
Flexible down payments and government-backed security for eligible buyers.
Refinancing Options
Lower your monthly payment, shorten your loan term, or cash out on equity.
USDA Loans
100% financing, requiring borrowers to only pay closing costs. Available to those who meet USDA geographic and income eligibility guidelines.
NMLS# 509255
At First State Bank, we believe your mortgage experience should be personal, straightforward, and backed by people you can trust. As a community bank with deep local roots, we offer fast decisions, tailored solutions, and one-on-one support from start to finish. When you work with us, you’re not just a number you’re our neighbor.
We value your privacy. Any personal information you provide will be kept strictly confidential and will not be sold, shared, or distributed to third parties for marketing or any other purposes. Your data is used solely to provide and improve our services.
At First State Bank, we believe your mortgage experience should be personal, straightforward, and backed by people you can trust. As a community bank with deep local roots, we offer fast decisions, tailored solutions, and one-on-one support from start to finish. When you work with us, you’re not just a number you’re our neighbor.
Your loan stays local just like us. Approvals and guidance come from people who live where you live.
No call centers. No automated runarounds. Just real people helping real families.
We know the market moves fast, so do we, get your pre-approval quickly and confidently.
With a legacy of trust and a commitment to integrity, your mortgage is in steady hands.
Have questions or ready to take the next step? Our local mortgage experts are here to help. Whether you’re just starting to explore your options or you’re ready to apply, we’re only a call or message away. Reach out today and experience the personal service and trusted support that sets First State Bank apart.
1526 Fourth Street
Graham, TX 76450
Main: 940-549-8880
1300 Highway 16 South
Graham, TX 76450
Main: 940-549-1507
147 N. Minter
Throckmorton, TX 76483
Main: 940-849-6511
101 Hwy 183 South
Woodson, TX 76491
Main: 940-345-6511
106 State Highway 79 North
Olney, TX 76374
Main: 940-564-3400
201 South Center
Archer City, TX 76351
Main: 940-574-4800
1220 N Main Street
Jacksboro, TX 76458
Main: 940-567-2197
24hr Voice Access: 866-225-8817
Email: info@fsbgraham.com
Main: (940) 549-8880
1526 Fourth Street
Graham, TX 76450
First State Bank
⑆ 111312894 ⑆
Welcome back to a time when neighborhood banks were owned by neighbors. A time when banks cared more about you than the daily balance in your account. Welcome back to First State Bank, a genuinely local bank committed to doing business face-to-face, like the old days. Yet with all the modern conveniences you expect today.
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