We’d love to help you achieve the dream of homeownership — right here in Southern Illinois.

Key Features

  • Competitive Rates
  • Refinancing Available
  • Local Processing
  • Competitive rates for home purchase, refinance, or construction 
  • Available for primary residence, second homes, vacation homes, or investment properties 
  • A wide range of terms customized to your unique situation 
  • Variety of financing programs available: 
    • Fixed-rate mortgages 
    • Adjustable rate mortgages (ARMs) 
    • USDA Rural Housing Loans 
    • FHA Loans 
    • VA Loans 
    • Construction Loans 
  • Helpful loan advisors with working knowledge of the Southern Illinois real estate market 
  • Free pre-approval for extra confidence when buying your home 
  • Refinance your current home to potentially lower your rate 
  • Quick, local decision-making and processing 
  • Attentive, friendly service from start to finish

Visit our mortgage center for more details and to get started!

Enjoy ongoing, affordable credit.

  • Turn the equity in your home into ongoing, affordable financing 
  • Competitive rates for several ongoing or seasonal needs: 
    • Education expenses 
    • Major life events 
    • Home improvements 
    • Debt consolidation 
    • Emergency reserve 
    • And much more 
  • The existing equity in your home is used as collateral backing 
  • Accommodating repayment terms that work uniquely for you 
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter 
  • Revolving credit — as principal is repaid, more becomes available for use 
  • Funds easily available via in-person or phone transfers to a specified First Southern Bank checking account 
  • The interest paid may be tax deductible* 
  • Set up automatic payments to be deducted from your account monthly 
  • Quick, local decision-making and processing 
  • Attentive, friendly service from start to finish 

*Consult a tax advisor. 

Sometimes the best way to get the home of your dreams is to build it.

  • Competitive rates for your home construction project 
  • Available for primary residence or second home construction 
  • Provides more convenience — especially toward the end of the construction phase and the beginning of permanent mortgage 
  • Payments are interest-only during construction phase 
  • Multiple options for construction draws are available


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John Haar

[email protected]  
618-351-8317 ext. 1272

NMLS #2009705

Travis Lipe

[email protected]  
618-351-8317 ext. 2131

NMLS #588985

Chris Germann

[email protected]  
618-351-8317 ext. 2122

NMLS #764770

Josh Combs

[email protected]  
618-351-8317 ext. 2105 

NMLS #636221

Scott Stefan​

[email protected]  
618-351-8317 ext. 2114

NMLS #2423862