Matthew Welch

Senior Loan Officer

Matthew works hard to provide each home buyer a smooth mortgage experience.  He takes pride in helping his customers through every step of the mortgage process.  Buying or refinancing a home can be an intimidating endeavor.  You can put your trust in Matthew’s 18 years of mortgage experience.  He will get to know you and your personal situation to help come up with the best possible plan for your mortgage needs.


Matthew and First State Mortgage combine the best of both worlds – First State Mortgage has the backing and security of First State Bank and the flexibility of a mortgage broker.

Whether you are a first-time home buyer, looking to refinance our current home, buying a vacation home or a move-up buyer, Matthew has the experience to help!  Conventional, FHA, VA, USDA, Jumbo and first-time home buyer assistance (IHDA) loans are all things he can help you with. Plus, First State Mortgage has the ability to lend in most states!

Matthew currently lives in McHenry County with his wife, Kamara, and their three children – Jacob, Kiara, and Micah.  He enjoys going to his children’s school events and coaching their sports teams.  Matthew also enjoys teaching adult and child religious education classes at his church.

Contact Matthew today to discuss your home loan needs!