Real Estate Loans & Mortgages

Whether you are first time home buyer or you are building, buying, refinancing or improving your house, The Farmers State Bank has a loan for you. We don’t burden you with unnecessary closing costs and will work with you to ensure that your loan will fit your circumstances.  We offer Conventional, FHA, Rural Development and VA loans.

Click on the Contact Us link at the top of this page to inquire further about a real estate loan with The Farmers State Bank.  We look forward to hearing from you!






The Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) is intended to improve the accountability and tracking of residential mortgage loan originators (MLOs), enhance consumer protection, reduce fraud and provide consumers with easily accessible information regarding an MLO's professional background.

The Nationwide Mortgage Licensing System & Registry (NMLS) numbers for The Farmers State Bank and its MLOs are as follows:

  • Bank - 791589 
  • Judy L. May - 792000
  • Julie Bahret - 792826
  • Tarin R. Wray - 556761

NMLS Consumer Access

In order to provide home buyers and the general public with greater information concerning the companies and professionals in the mortgage industry and in fulfillment of the federal S.A.F.E. Mortgage Licensing Act of 2008, the Nationwide Mortgage Licensing System & Registry (NMLS) hosts a website called NMLS Consumer Access.  NMLS Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed companies, branches, and individuals licensed and registered through NMLS.

Found online at, NMLS Consumer Access is a stand-alone website, separate from NMLS, that contains administrative and licensing information for companies, branches, and individuals licensed or registered through NMLS. 

NMLS Consumer Access is provided without charge to the public.


Mortgage Calculators
Mortgage Calculator
Mortgage Qualifier
Bi-weekly Payment Calculator
Refinance Breakeven
Refinance Interest Savings
Rent vs. Buy
Mortgage Payoff
Mortgage APR Calculator
Mortgage Points
Mortgage 15 vs 30
Adjustable Rate Mortgage Payments
Mortgage Tax Savings Calculator