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

Find the Right Mortgage

Apply Now
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
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
FHA Loans
Perfect for
those who need low‑cost loans.
These loans require less cash for down payment and closing.
Get The Details
Rural Housing Loans
Perfect for
house‑hunters who live outside of cities.
The USDA offers rural homebuyers loans with affordable options.
Get The Details
VA Loans
Perfect for
veterans who want to buy a home.
This loan has flexible options like low or no down payment.
Get The Details
Jumbo Loans
Perfect for
owners of very high‑value property.
A non‑conforming loan with mortgage amounts above the maximum.
Get The Details
ITIN Loans
Perfect for
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
Perfect for
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
Perfect for
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
Perfect for
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…

State of the Housing Market
4 Common Costs Of Renovating An Older Home

You’re on the market for your first home, and a great deal comes across on an older home. You love the potential it has, but then a question comes…

5 min read
A living room and dining room in house
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,…

3 min read
Paper house in forground with hands on laptop in background
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”…

4 min read
Solar panels in a field at sunset
The Sun Shines on North Carolina’s Solar Power Growth

Thanks to 215 sunny days a year and solar-friendly regulations and tax credits, North Carolina is a great place for those who want to convert solar…

5 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

Banks With Hassle-Free Checking Accounts

If you’re like most people, you probably want a checking account with all the perks but none of the stress. First Bank has more than 100 locations throughout North Carolina and South Carolina that offer banks with...

3 Reasons to Use a Commercial Building Loan Calculator

If you’re looking to build or to purchase a commercial building, it’s a great idea to start with a commercial building loan calculator. It can give you a sense of how much to borrow for the property you’re hoping to...

Southern Supreme Fruitcakes & More – Garage Startup to Global Distributer

"I don't like Fruitcake" Not a fan of fruitcake? Neither was Berta Lou Scott until she perfected her version in the 1980s. Her Southern Supreme Fruitcakes have been converting fruitcake foes to fans ever since. Visit the...

Where to Get Small Business Loan Rates

So you’ve decided to start a small business, and you have everything sorted out. Business plan…check, location, check. Small business loan rate quotes….not checked. Okay, so you have almost everything sorted out. You’re...

Small Business Line of Credit

Obtaining a line of credit for your small business can help your entrepreneurial spirit take the company to the next level. This line of credit can be a more affordable option than a business loan because you only pay...

Your Community Bank

If you live in North Carolina or South Carolina, you have a ton of banking options right outside your door. Large financial institutions may seem like your best option for banking services at first, but community banks...

How to Get a Home Equity Line of Credit

If you are thinking about taking out a loan to finance a major expense, such as home repairs or college tuition, a home equity line of credit (HELOC) or loan could be a good option. With a home equity line of credit, you...

Tips to Freshen up Your Budget

First Bank Clients: Are you using your MyMoney tools in online banking? MyMoney Manage your budget, track your spending, and modify your debt payback plan - all from your First Bank online banking account. Learn how Start...

Mobile Check Deposits from Anywhere

Before mobile phones and tablets, checks had to be cashed in person or by mail. Now, mobile check deposits allows you to deposit your checks from anywhere, so long as your mobile device has Internet or cellular service....

Five Reasons to Refinance Your Mortgage

Banking professionals suggest mortgage refinancing when homeowners want to replace their current loan with a new one, often to reduce monthly payments or lower interest rates. With a mortgage refinance, your current loan...