Apply now!Own your dream home.When you’re ready to make a move, let us tell you about our mortgage choices. From adjustable and fixed-rate loans to construction loans, we have a financial solution that is right for you. First Financial currently services all of its retained loans.
PurchaseFirst Financial can help you buy your dream home. Choose a mortgage that meets your needs including up to 100% financing. We offer competitive rates, a variety of products, low closing costs, and fast service
RefinanceLooking to lower your rate and payment, or need cash? With this loan you can pay off your existing mortgage and/or cash out up to 90% of your equity. Tired of dealing with lenders across the country?
Construction LoanFirst Financial Bank can help you build your dream home. A construction loan gives you up to twelve months from the date of the loan to complete the home. Monthly interest payments are required until the home is complete or the construction loan matures. Save on closing costs by getting your construction to mortgage financing with us.
Community Home Access Mortgage Plan (CHAMP)Whether you’re a first, second, or even third-time home buyer, you may qualify for this mortgage plan if you wish to
purchaseand occupy a home in First Financial’s market area and your household size and income meet the following guidelines:
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| Property Type | Single Family, Owner Occupied |
| Location | Unrestricted |
| Maximum Loan to Value | 100% |
| Minimum Borrower's Cash Down | No minimum borrower contribution |
| Mortgage Insurance | NOT REQUIRED |
| Term | Thirty years |
| Interest Rate | Fixed |
| Points | None |
| Maximum Loan | $417,000 |
| Home buyers Education | Strongly encouraged for first time home buyers |
| Allowable Source of Cash to Close | Gift, Grant, Secured loan from government agency or non-profit, seller contribution up to 3%, unsecured loan |
To make home ownership as easy and accessible as possible, CHAMP home buyers can borrow as much as 100% of the purchase price or appraised value. The purchase price or appraised value must be less than $417,000. And unlike other high loan-to-value programs, CHAMP does not require private mortgage insurance, a savings of approximately 1%.
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How much house can you afford? Use our online calculators to find out.
