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Explore your mortgage options

Choose from a variety of mortgages specific to your needs and life stage.
FHA Loans
Perfect for
those who need low‑cost loans.
These loans require less cash for down payment and closing.
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Rural Housing Loans
Perfect for
house-hunters who live outside of cities.
The USDA offers rural homebuyers loans with affordable options.
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VA Loans
Perfect for
veterans who want to buy a home.
This loan has flexible options like low or no down payment.
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What mortgage can you afford?
Decide if you should rent or buy, check your mortgage payment, or determine refinance savings with our mortgage calculators.
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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

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5 Ways to Get the Lowest Mortgage Rates

If you are looking for some of the lowest mortgage rates in North Carolina or South Carolina, First Bank might be able to help. Choosing a mortgage option can be one of the most confusing aspects of the home purchasing...

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...

Is It Possible to Get a Mortgage Refinanced with No Closing Costs?

When it comes to refinancing a mortgage, you need to spend money to save money. Closing costs can amount to thousands of dollars, depending on the home loan. This is why the prospect of a mortgage refinance with no closing...

What Are 20-Year Mortgage Rates?

There are various factors to consider when purchasing a home, including how to finance it. Some consumers may opt for a mortgage with a shorter term while others find it beneficial to extend the mortgage. It may be best to...

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.

How to Shop Bank-Owned Properties

Bank-owned properties can be a savvy choice for first-time buyers looking for a deal and for seasoned property investors alike. If you’re up for a challenge and trying something new, here are some tips to help you through...

Mortgage Basics

As exciting as this time in your life can be, it’s important to remember that this is a very big decision. Before you take out a loan, you need to be sure that you understand the basics of the mortgage process.

How to Avoid Paying Too Much for a House

Imagine you just crossed the threshold of your dream home. There’s only one problem: price. It seems a bit on the high side, even for a home this perfect—but is it?

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 Reasons to Consider a Home Equity Line of Credit (HELOC)

Your home is your most valuable asset and investment. A home equity line of credit can provide many benefits for those with good credit and a chunk of their mortgage paid off.