At First Bank, we take a common sense approach to mortgage lending!1 And we’re here to help with a newly expanded variety of smart and competitive mortgage services. With our proven expertise, quick turnaround time and one-on-one personal service, we’ll make you feel right at home through the entire mortgage process.
Fixed-Rate Conventional Mortgage
With a fixed rate mortgage, you’ll know exactly what your interest rate and monthly payment will be for the life of the loan.
We have the ability to underwrite select mortgages “in-house,” or by our own standards, which means more flexibility.
Our USDA (Rural Housing) mortgage loan offers up to 100% financing, along with affordable monthly payments for single family homes in rural areas.
FHA (Federal Housing Administration) mortgages are not just for first-time home buyers, however, it is a smart option for many, or for those buyers without a lot of liquid savings.
Our VA (Veteran’s Administration) loan option is for veterans of the armed services. Benefits include 100% financing, a fixed rate, and no private mortgage insurance (PMI).
As its name implies, a jumbo loan is a loan for a large sum of money, or one that exceeds the conforming loan limit of $484,350.
We can help fund the construction of a new home or major addition too! Pay interest only during the construction period, and then enjoy a wide variety of permanent financing options.
If you’re interested in changing your loan to a fixed rate, lowering your monthly payment, or paying off your mortgage faster, a refinance could be a good choice for you.
We recommend putting 20% down towards the purchase of your home to avoid paying private mortgage insurance (PMI). Ask us for details.
First Bank NMLS ID# 408968
1Subject to credit approval. Other restrictions may apply. Property insurance required. See First Bank for details. The Equal Credit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, whether all or part of the applicant’s income comes from a public assistance program, or whether the applicant has in good faith exercised a right under the Consumer Credit Protection Act. The Fair Housing Act prohibits discrimination in residential real estate transactions on the basis of race, color, religion, sex, handicap, familial status, or national origin. Under these laws, a consumer cannot be refused a loan based on these characteristics nor be charged more for a loan or offered less favorable terms based on such characteristics. The content of this page is informational only. Account is subject to approval. The terms of the account, including any fees or features, are subject to change without prior notice except as required by law. Refer to product disclosure for the terms and conditions associated with the product. Other fees and charges may apply.