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Find the Right Mortgage

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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.

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Rural Housing Loans

house‑hunters who live outside of cities.

The USDA offers rural homebuyers loans with affordable options.

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veterans who want to buy a home.

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

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owners of very high‑value property.

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

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

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

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One‑Time‑Close Construction to Permanent Loans

people buying land and building homes.

Buy land and pay interest only during home construction.

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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

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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…

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[First Bank Webinar] Homebuyer Happy Hour March 2025

Event Details: Date: Thursday, March 13, 2025 Time: 6:30 pm to 7:30 pm Location: Zoom Webinar (link provided upon registration) What to Expect: Our…

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Q&As for Prospective Homebuyers

Thank you to our Homebuyer Happy Hour Moderators: Jarrod Burcham Mortgage Loan Originator | NMLS 1900830 951-795-0467 jburcham@localfirstbank.com…

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[First Bank Webinar] Homebuyer Happy Hour

Event Details: Date: Thursday, January 16, 2025 Time: 6:30 pm to 7:30 pm Location: Zoom Webinar (link provided upon registration) What to Expect:…

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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…

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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

Roof Maintenance Tips

Severe roof damage can seriously disrupt your life, wreaking havoc on your home as well as your wallet. Here are some basic things you can do to care for your roof and maximize its life expectancy.

Millennials in the Home Market

Much has been made about how millennials are reshaping the world as they enter adulthood. One of the most adult decisions they can make is buying a house. We spoke to First Bank's mortgage team about how Gen Y approaches...

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.

[First Bank Webinar] Homebuyer Happy Hour March 2025

Event Details: Date: Thursday, March 13, 2025 Time: 6:30 pm to 7:30 pm Location: Zoom Webinar (link provided upon registration) What to Expect: Our First Bank mortgage experts will share information about understanding...

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.

What are 30-Year Mortgage Rates?

If you are thinking about buying a home, you may be asking the question, “What are 30-year mortgage rates?” There are many ways to figure out the current average 30-year mortgage rates, but the best way to find out about...

When to Refinance Your Home

Here are some common scenarios where refinancing your mortgage makes sense.

3 Questions to Ask Yourself While House Hunting

House hunting is fun but it is also difficult if you're not fully prepared. Here are 3 questions you should always ask while looking for a new home.

Essential Homeowner’s Insurance

Life has the ability to catch us off-guard with unanticipated and costly expenses, such as house damage from a fallen tree or basement pipes bursting during the winter season. That’s why homeowner’s insurance is essential...

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...