Skip to main content

Find Your Local Branch

Back

Find Your Local Branch

Online Banking

Enroll • Services Where do I enter my password? Forgot password?

Find the Right Mortgage

living room with grey sofa.

Explore your mortgage options

Choose from a variety of mortgages specific to your needs and life stage.

Which statements apply to you most?

Adjustable‑Rate Conventional Loans

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

people with exact monthly budgets.

Your interest rate will stay the same each month for the mortgage term.

Get The Details

those who need low‑cost loans.

These loans require less cash for down payment and closing.

Get The Details

Rural Housing Loans

house‑hunters who live outside of cities.

The USDA offers rural homebuyers loans with affordable options.

Get The Details

veterans who want to buy a home.

This loan has flexible options like low or no down payment.

Get The Details

owners of very high‑value property.

A non‑conforming loan with mortgage amounts above the maximum.

Get The Details

non‑U.S. citizen first‑time homebuyers.

Use your ITIN and payment history to help qualify for a home loan.

Get The Details

One‑Time‑Close Construction to Permanent Loans

people buying land and building homes.

Buy land and pay interest only during home construction.

Get The Details

Adjustable‑Rate Dream It, Own It Loans

buyers wanting no down payment and lower costs.

An ARM can change rates semi-annually after 5, 7, or 10 fixed years.¹

Get The Details

Fixed‑Rate Dream It, Own It Loans

buyers wanting lower costs and consistent payments.

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

Work with a local mortgage specialist

You may be interested in…

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

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

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 organizations to cover losses not covered by insurance or FEMA. These loans help...

Budgeting For a Home

For most people, buying a house is not a spontaneous decision. It takes time to prepare your finances for a mortgage, to clean up your credit to get the best rates, and to save up for a down payment.

A New Mortgage Loan Process is Here. Are You Ready?

Michael Jablonski, EVP, Director of Mortgage Lending at First Bank, explains the Consumer Financial Protection Bureau’s “Know Before You Owe” regulation that launched in October 2015.

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, Ashe, Avery, Buncombe, Burke, Caldwell, Catawba, Clay, Cleveland, Gaston,...

FHA Loans 101: 3 Major Requirements

If you have a strong understanding of the FHA loan requirements, you’ll experience a quicker and smoother loan application process. FHA loans provide homebuyers of all income levels the opportunity to purchase a home with...

7 Songs to Play After Closing on Your New Home

When you finally close on your new home, we recommend loading up your MP3 player (or, if you’re old school, burning a CD or making a mixtape) with these seven songs to kick off your celebration!

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...

Construction Loans 101: Adjustable Rates

If you’re considering building a home, one of the more pressing concerns is the rate you’ll receive for a construction loan. For residents of the Carolinas, First Bank* has convenient locations to stop by for a discussion...

Your Mortgage Has Been Approved. Now Keep it That Way.

Even though you’ve been approved, you still need to keep your financial situation in order. Here are a few critical pieces of advice to avoid any issues at closing.

New Construction vs. Existing Home: Points to Ponder

if you’re weighing the pros and cons of buying a new versus an existing home, you won’t make a decision based on aggregate data. You’ll be comparing specific options. Here are some factors to consider.