Skip to main content
_FB_2018-Icons-finalized-cleaned-up_new_FB_2018-Icons-finalized-cleaned-up_newGroup 9
Find Your Local Branch
Back
Scroll to top

Conventional Loans

Apply Online
Round corner table and chair in sunlight of window

Explore your mortgage options

Choose from a variety of mortgages specific to your needs and life stage.
Adjustable-Rate Conventional Loans
Perfect for
people who want low initial interest.
An ARM can change rates semi-annually after 5, 7, or 10 fixed years.1
Get The Details
Fixed-Rate Conventional Loans
Perfect for
people with exact monthly budgets.
Your interest rate will stay the same each month for the mortgage term.
Get The Details
Shadow behind iPad First Bank mortgage calculator on an iPad
What mortgage can you afford?
Decide if you should rent or buy, check your mortgage payment, or determine refinance savings with our mortgage calculators.
Start Calculating
Ipad with tutorial on screen and house key
Buying A Home
Start the home buying process off on the right foot with our free online tutorial.
Make Your Move
Work with a local mortgage specialist

You may be interested in…

Image
Hurricane Helene Recovery: Financial Assistance Options

1. U.S. Small Business Administration (SBA) Disaster Loans The SBA offers a range of disaster loans to individuals, businesses, and nonprofit…

5 min read
Image
Am I Eligible for FEMA Relief? Here’s What You Need to Know

Who Qualifies for Assistance? Federal disaster aid is available for residents and business owners in the following counties: Alexander, Alleghany,…

5 min read
Construction Loans NC

The thought of building a new home can be daunting. All that planning. All that work. And all that money. At First Bank, we can’t design a floor…

2 min read
10-Step Program for First-Time Homebuyers

If you’re searching for a first-time homebuyer program, it’s important to find a process that is simple and clear. Purchasing a home for the first…

4 min read

1Adjustable interest rates and payments are subject to increase after the initial fixed-rate period (60 months for a 5/6 ARM, 7 years for a 7/6 ARM and 10 years for a 10/6 ARM).

Featured Articles

5 Common Mortgage Myths Debunked

While it’s important to do your research during the home-buying process, you can’t believe everything you hear. We’ll help you spot the popular mortgage myths and reveal the truth behind them.

Are Timeshares Worth It?

We’ve all heard it before: the timeshare pitch. But timeshares can’t be all bad, right? If you’re considering a timeshare purchase, take the time to weigh the pros and cons.

Current Mortgage Rates 30-Year Fixed

Is now the right time to buy the house you have your heart set on? One important thing to consider is the current mortgage rate trends and whether a 30-year fixed-rate mortgage is a good fit for you. At First Bank, our...

Should I Buy an Older Home?

There’s something about historic homes that’s quite appealing. How many people have paced this floor? What events happened here? First Bank takes a look at the questions you should ask yourself before you buy.

Jumbo Home Mortgage Loans

If you are thinking of buying a home with a higher property value and can handle larger monthly mortgage payments, a jumbo loan could be a suitable option for you. Jumbo loans are typically offered with the same options as...

15-Year vs. 30-Year: The Ultimate Mortgage Showdown

Choose the mortgage plan that’s right for you. To do that, consider the basic difference between a 15- and 30-year mortgage, and the advantages of each.

The Right Age to Buy a House

Although buying a house for the first time is a big decision, it turns out there is no perfect age to do it. When it comes to taking the plunge, it’s more about individual readiness.

Save Money with This Refinance Calculator for Home Mortgages

When mortgage interest rates are low, homeowners should compare their current mortgage terms with the option of refinancing. By locking in the right rate, homeowners can take advantage of significant savings. Curious to...

Tips for Buying a Mountain Home

From the Smoky Mountains to the Uwharries, it’s hard to find anyone in our area who hasn’t vacationed in a mountain home with friends or family at least once. Living near the beautiful Appalachians, who could blame them?...

5 Mortgage Tips to Help You Get the Best Deal

Applying for a home loan can be a confusing and sometimes frustrating experience for prospective home buyers, but it doesn’t have to be. By keeping these mortgage tips in mind, you can make the home-buying process easier...