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Whether you’re a first-time homebuyer or a seasoned house hunter, you can count on our local mortgage experts.

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Several financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • USDA Rural Housing Loans
    • FHA Loans
    • VA Loans
    • First Time Homebuyer specials
    • Construction Loans
  • Helpful loan advisors with working knowledge of the Southern Illinois real estate market
  • Refinance your current home to potentially lower your rate
  • Repayment terms customized to fit your needs
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

The fixed rate mortgage is the most common type of mortgage. In addition to being simple, it provides the peace of mind of a set monthly payment (principal and interest) that does not change over the term of the loan. The loan balance is reduced monthly over the set term of the loan, and there is no prepayment penalty for making additional payments to principal.

An adjustable rate mortgage allows the borrower to take advantage of short term rates, generally resulting in lower initial monthly payments than fixed-rate mortgages. The interest rate resets at the end of the term, usually resulting in a lower amount of principal to re-price, or refinance. This is ideal for someone who is interested in qualifying for a larger loan, lower payments, and the ability to save money in the short-term. Borrowers who are comfortable taking on risks or who feel their income will increase to cover possible payment increases often make this choice.

When interest rates drop by at least 1.00% below your existing loan rate, it may be time to refinance your loan. A lower interest rate means lower payments. Refinancing to a shorter-term mortgage can save you interest charges over the life of the loan — and help you pay your loan off quicker. Contact Farmers State Bank to help you determine if refinancing can help you.

What type of mortgage best meets your needs? Whether you're shopping for an FHA, VA, or conventional mortgage, our mortgage lenders will work with you to find the loan with the best value.

Alto Pass

Lender Title MLO #
Tom Jones Community President | Loan Officer 438436


Lender Title MLO #
Taylor Abney Mortgage Loan Officer 1620039
Tina Watson  Senior Vice President | Loan Officer 1455208

Marion East

Lender Title MLO #
Poli Benedict Mortgage Loan Officer 1463841

Marion West

Lender Title MLO #
Kelly Green Senior Vice President | Loan Officer 1659660
John Streuter Executive Vice President | Chief Mortgage Officer 649798

Farmers State Bank of Alto Pass NMLS ID# 410307


*All of our mortgage lenders are registered with the Nationwide Mortgage Licensing System.  They each have a unique mortgage loan originator number that can be used to review their profile on the registry.