Calhan: (719) 347-2727    |    Ellicott: (719) 683-3999    |    Falcon: (719) 495-3650    |    Kiowa: (303) 621-0100

Routing # 102103562    |    Locations & Hours  |    File Transfers    |     Pay Loan

Find out which Loan is right for you!

mortgage loan icon
Home Mortgage Loans

Let us lead you the way home with competitive financing and customized terms. Make your realty dream a reality with our competitive rates and personalized service.

Summary

  • Competitive interest rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Terms customized to your unique situation
  • Free pre-approval for extra confidence when it comes to securing financing
  • Experienced Loan Officers with working knowledge of the local real estate market
  • Helpful, customized service throughout the entire process

Employees Registered with NMLS

Farmers State Bank of Calhan employees registered with The National Mortgage Licensing System Registry

Farmers State Bank of Calhan – NMLS #522788


Getting Started

Below is a list of the information that you will need to provide to apply for a vehicle.

  • A recent paystub
  • The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Employee NameNationwide Mortgage Licensing System ID Work Location
Lindsey Lawson - Preisser 873899 7025 Old Meridian Rd Falcon CO 80831
Scott Lutz 543634 1500 8th St Calhan CO 80808
Randy Pieper 528101 1500 8th St Calhan CO 80808
Bret Swennes 554092 7025 Old Meridian Rd Falcon CO 80831
Ryan Imhof 1020500 1500 8th St Calhan CO 80808
Sara Strouse 2062662 7025 Old Meridian Rd Falcon CO 80831
Donald Bryant 1866449 7025 Old Meridian Rd Falcon CO 80831
Chanse Mitchell 2397000 1500 8th St Calhan CO 80808
Pamela Murr 2320562 445 N. Ellicott Hwy Calhan CO 80808
Greg Tolbert 768056 480 Comanche St. Kiowa CO 80117
HELOC icon
Home Equity Line of Credit (HELOC)

Unlike a lump sum payout, a HELOC offers a revolving source of financing that replenishes for future borrowing as you repay your balance. With a five-year revolving line of credit, you can utilize the equity of your home for a wide rate of uses.

Summary

  • Competitive interest rates for ongoing expenses:
    • Debt Consolidation
    • Medical Expenses
    • Renovation projects
    • And much more!
  • Direct, anytime access to funds without reapplying
  • Revolving credit — when you repay, your limit is replenished for future borrowing
  • Affordable payment plans
  • Only pay interest on the part that’s used
  • Prompt, local decision-making and processing
  • Detailed, attentive service from start to finish

Getting Started

Below is a list of the information that you will need to provide to apply for a Line of Credit. This information enables us to better understand your business and how it operates.

  • The last 3 years Personal Tax Returns
  • The last 3 years of Business Tax Returns (if a separate return is filed)
  • Current Financial Statement
  • Personal Financial Statement

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

construction loans icon
Construction Loans

Break ground on your new home. Our construction loan can cover the cost of building your home with competitive rates and personalized service.

Summary

  • Build your dream home affordably
  • If the land is owned and some equity is assumed, FSB can finance 80% of the as-completed appraisal
  • If the land is to be purchased with the construction loan, FSB can finance 80% of the as-completed appraisal or 90% of the hard costs, whichever is less
  • Competitive fixed interest rates
  • 12-month term with interest only payments
  • Loan fees and closing costs can be financed into the loan
  • Maximum 45% debt-to-income ratio to qualify
  • Local decision making, underwriting, and processing

Getting Started

Below is a list of the information that you will need to provide to apply for a Construction Loan.

  • Plans and cost estimates (if available)
  • A recent paystub
  • The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

home improvement icon
Home Improvement Loans

No matter how big or small put your home improvements projects into high gear with competitive financing. Ready to make your neighbors jealous? Start a new project with our competitive financing.

Summary

  • Competitive interest rates for a wide range of home improvement projects
  • A wide range of terms customized to your unique situation
  • Affordable payments
  • Prompt, local decision-making and processing
  • Detailed, attentive service from start to finish

Home Equity Loans

Home ownership has its advantages, like the ability to borrow by using built-up equity. Unlike a regular unsecured loan, a Home equity Loan from FSB offers a competitive rate, and the interest may be tax deductible.* You can pay for just about any need — whether it’s a medical emergency, debt consolidation, home improvements, and more.

  • Use home equity loans to finance various projects
  • Leave savings and emergency funds intact
  • Competitive interest rates
  • Flexible terms for affordable payments
  • Potential tax advantages*
  • No prepayment penalty
  • Receive funds in one lump sum
  • Prompt, local decision-making and processing
  • Detailed, attentive service from start to finish

*Consult a tax advisor.


Home Equity Line of Credit (HELOC)

If you have ongoing needs that go beyond a one-time loan — but don’t want to resort to your credit card — a home equity line of credit (HELOC) may be your answer. Unlike a lump sum payout, a HELOC offers a revolving source of financing that replenishes for future borrowing as you repay your balance.

  • Competitive interest rates for a wide range of ongoing expenses:
    • Home improvements
    • Medical expenses
    • Renovation projects
    • And much more!
  • Direct, anytime access to funds without reapplying
  • Revolving credit — when you repay, your limit is replenished for future borrowing
  • Affordable payment plans
  • Only pay interest on the part that’s used
  • The interest paid may be tax deductible*
  • Prompt, local decision-making and processing
  • Detailed, attentive service from start to finish

*Consult a tax advisor.


Getting Started

Below is a list of the information that you will need to provide to apply for a vehicle.

  • A recent paystub
  • The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

auto loan icon
Auto Loans

We are the key to your new car with pre-approvals available for extra leverage at the dealership. Finance or refinance your vehicle at a competitive low rate. FSB’s flexible auto loan options make it easy for you to get the vehicle you want.

Summary

  • Competitive fixed rates
  • Flexible terms and monthly payments that fit your needs
  • Prompt, local decision making and processing

Getting Started

FSB provides financing for new or used vehicles.

Below is a list of the information that you will need to provide to apply for a vehicle.

  • A recent paystub
  • The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

land loan icon
Land Loans

Finance the plot of land you have your eye on for that dream cabin, house, cottage, or tiny home. It’s part of the American dream- a piece of land you can call your own. Get yours right here in Colorado with the help of FSB.

Summary

  • Purchase land to build a future residence or getaway
  • 20% down payment required on residential lots 40 acres or less
  • 35% down payment required on land over 40 acres
  • 20-year amortization or less
  • Variable rates available
  • Maximum 45% debt-to-income ratio to qualify
  • Loan fees and closing cost can be financed into the loan
  • Local decision making, underwriting and processing

Getting Started

Below is a list of the information that you will need to provide to apply for a vehicle.

  • A recent paystub
  • The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

personal loan icon
Personal Loans

Reach your personal goals with affordable financing for almost any need, with variety of secured and unsecured options available, at a competitive rate.

When you need funds in hand, we are here to help with life’s big moments. Look to your local institution that prioritizes a fast turnaround along with competitive rates.

Summary

  • Competitive fixed rates for a wide range of personal needs:
    • Start a new hobby
    • Outfit a game room
    • Go on vacation
    • And much more!
  • Flexible terms and monthly payments that fit your needs
  • Prompt, local decision-making and processing
  • Detailed, attentive service from start to finish

Getting Started

Below is a list of the information that you will need to provide to apply for a vehicle.

  • A recent paystub
  • The last 3 years of Tax Returns (if self employed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

4h loan icon
4-H Loans

Take advantage of competitive fixed-rate financing for several needs related to the 4-H Program- including livestock purchases. We are proud to offer youth loans for needs related to the 4-H Program.

Summary

  • Start building a good credit history
  • Competitive fixed-rate financing
  • Buy livestock and feed
  • Co-signature from parent or guardian required if under 18
  • Single payment following your County Fair’s Livestock Sale
  • Prompt, local decision-making and processing
  • Detailed, attentive service from start to finish
credit cards icon
Credit Cards

Get purchasing power with a Visa credit card- featuring a low fixed interest rate. With a competitive interest rate and over hundreds of items to redeem with ScoreCard Rewards, taking advantage of a Visa card is too rewarding to pass up!

Summary

  • Competitive rates that work with your budget
  • Increase purchasing power online and at stores all over the world
  • No balance transfer fees
  • Manage your card easily online
  • Enjoy ScoreCard Rewards for every dollar you spend

Download an application (PDF).

Pay my credit card at www.mycardstatement.com.

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