First Central offers a selection of various fixed rate mortgage loan programs to finance or refinance your dream home.

Glossary There might be unfamiliar terms that you will hear during the mortgage process, but don't worry, we've put together this glossary to help give you a better understanding and make things more clear.

Mortgage Calculator
Curious what your mortgage payment might look like? Our mortgage calculator can help you determine your monthly payment and can also show you an amortization schedule.

Expert mortgage lenders......offering new home construction, refinancing, home mortgage loans, or first time home buyer programs...



norma bicke1

  Debbie Mulvania
NMLS# 499876
Email Debbie
Norma Bickel
NMLS# 498609
Email Norma


Click Here to contact any of our expert lenders for FAST pre-approval - local lenders with local decision making.


Norma - DeWitt at  563-659-3141
Debbie - LeClaire at  563-289-2265

The following information is usually required during the loan process:

  • Your social Security number
  • Previous two years W-2 forms
  • Current pay stubs and your tax returns for the past two years
  • Bank statements for the past two months
  • Investment account statements for the past two months
  • Retirement account statements for the past two months
  • Credit card account information
  • Auto loan account  information
  • Personal loan account information

If you currently own Real Estate:

  • Mortgage account information
  • Home insurance policy information
  • Home equity account information (if applicable)


This account is available to customers who maintain:

  • a personal residence first-mortgage loan thru First Central State Bank
  • monthly AutoPay mortgage loan payment

This account includes:

  • No minimum balance
  • No maintenance fee
  • FREE CheckCard
  • FREE first year safe deposit box rental (small box or similar discount on larger box)
  • FREE first box of checks
  • Minimum initial deposit - $100


Contact Us

old_phoneWe want to hear from you!
Your feedback is important to us. Click Here to contact us and one of our staff members will get back to you right away!