First State Bank of St Charles Missouri

01/12/2026 | Press release | Archived content

New Year, New Home: Why Now Is Still a Smart Time to Buy or Refinance

A new year brings fresh goals - and for many homeowners and buyers, it's the perfect time to reset financially. Whether you're planning to buy a home, refinance your mortgage, or use your home's equity to consolidate debt, today's mortgage rates offer real opportunities.

Thinking About Buying a Home in the New Year?

If purchasing a home is part of your 2026 plan, now can be a great time to prepare. Buying earlier in the year may mean less competition, more flexibility, and the ability to refinance down the road if rates improve.

Whether you're a first-time buyer or purchasing your next home, getting pre-approved early helps you shop with confidence and stay focused on homes that fit your budget.

Already Own a Home? Refinancing May Still Make Sense

Refinancing isn't only about lowering your interest rate. Homeowners refinance for many reasons, including:

  • Lowering monthly payments
  • Shortening the loan term
  • Consolidating debt
  • Accessing home equity for renovations or other needs

Let's Make a Plan for Your New Year Goals

Get started today by completing this form to connect with a mortgage lending expert and take the first step toward your 2026 goals.

Online Form - Contact Form - Mortgage

Disclosures

First State Bank Mortgage is a division of First State Bank of St. Charles, MO, NMLS ID: 416668. Authorized to lend in all 50 states. This is not a loan commitment or guarantee. All loans are subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply.

First State Bank of St Charles Missouri published this content on January 12, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on July 30, 2026 at 05:56 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]