First State Bank, not only locally owned, is truly the "Hometown Bank" Even my grandma worked for FSB in the 70's Plus I have had them underwrite loans for my family in the 80's & 90's. Always competitive fees and financing. Great customer service and servicing of the loans. Fast Forward to January 2026, I was introduced to Mr. L. "Manny" Nino A superior Mortgage Loan Consultant. But that title doesn't begin to describe the depth and details he explores on behalf of his customers. Which I am one. His availability boggles my mind, as he sets time aside for Calls Texts Personal visits. He is very smart, caring and in this high tech, fast paced race, takes the time to know his clients. He has ran multiple SEVs so we don't ever get blindsided or surprised by a house that is been idle for years. In closing, our first meet and greet took less than 37 minutes No reams of paperwork. He sat across from us, we provided SS# Verified income. And our desired budget. Within the hour we were approved and ready to browse. Manny & FSB For the win. 🤝

I had the pleasure of working with Lori Maeder. She has been an amazing part of my home buying experience! She made sure we understood every step of the way. I definitely had a lot of questions as a first time homebuyer and she was quick to answer everything. She is incredibly knowledgeable, and made this process so smooth. She has even been like a mother to us lol. She genuinely cares, checks in, and makes you feel more than just a client. She has made us feel supported throughout this process and I can’t thank her enough for her guidance!

Employees are very courteous. They're always willing to help, with a smile.

It was such a pleasure working with Annmarie Iacona. She is very professional and very knowledgeable and kept me updated for every step of the loan application. She was also very responsive, any time I called or messaged her she responded to me and was ready to help even in cases when it was other party to respond to my question/concern. I’d recommend Annmarie to anybody who is looking to work with a professional and cares for the client.

Annemarie is an exceptional mortgage professional! She guided me through the entire process with expertise, patience, and a genuine commitment to finding the best solution for my needs. Her communication was clear and timely, and she made the complex mortgage process feel seamless. I highly recommend Annemarie to anyone looking for a reliable and knowledgeable mortgage expert!