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Home > Financial Services > Mortgage Brokers > First State Bank
First State Bank
A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan. Mortgage brokers are the middleman between you and the lending institution, which can be a bank, trust company, credit union, Mortgage Corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.
With a branch in Key West and a handful of employees, Key West State Bank began serving the banking needs of the Florida Keys community in 1955. As the Keys community grew, so did the Bank, steadily adding more services and branches.
Today nearly 50 years later, First State Bank continues to thrive and expand their line up of products, services and delivery systems. They have more ATM locations 33, more drive thru lanes 18 and more operating hours each week 71 than any other bank too, which means greater convenience for their customers. And although they may be the oldest bank in Monroe County, their technology is state of the art.
The Company makes getting your mortgage as simple, quick, and cost effective as possible, with outstanding personal attention and service. Whether you're buying a new home or refinancing your current residence, you'll find a mortgage plan that fits your lifestyle and your needs at First State Bank.
A Home Equity Line of Credit is a revolving line of credit that's based on the equity in your home. You apply just once, and then when you need money, simply write yourself a check up to your approved credit limit. Use it for home improvements, college tuition, consolidating bills, anything you want.
If your business needs money for new equipment, inventory, working capital or expansion, they can give you an answer right away. Their commercial real estate loans will help you buy or refinance new building or commercial investment property you've been wanting. At First State Bank, there's no need to wait until tomorrow.
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