Current Rates

Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history, loan purpose, property use and property type and may be different than the rates displayed here.


Don't see a product you are looking for? Connect with a loan officer and they will reach out to you to discuss other products and rates to meet your needs.  

Or you may call us at 877-322-9530.

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Need assistance paying your loan? Please email CCDEarlyAssistance@bankatfirst.com for help

*All loans subject to credit approval

Loan Program Interest Rate APR Points
Conforming Fixed*      
15 Year Fixed 2.750% 2.888% 0.00
30 Year Fixed 3.625% 3.703% 0.00
Conforming ARM**      
5/1 ARM 3.250% 3.943% 0.00
7/1 ARM 3.375% 3.893% 0.00

Jumbo Fixed ***

30 Year 3.875% 3.888% 0.00
FHA Fixed****
15 Year Fixed 3.000% 4.076% 0.00

30 Year Fixed

3.250% 4.598% 0.00
VA Fixed*****
15 Year Fixed 3.000% 3.423% 0.00
30 Year Fixed 3.250% 3.484% 0.00

Important Notices
*Rates (as of 9/20/2016) disclosed are for our highest qualified borrowers and are based on an owner occupied, single family residence.  Rates may vary depending on credit qualifications and collateral. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages.  All loans are subject to credit review and approval.  Annual Percentage Rate (APR) is based on loan amount of $125,000 with prepaid finance charges of $1,200.00.  Conforming Fixed 15 Year is based on amortization term of 180 months.  Conforming Fixed 30 Year is based on amortization term of 360 months.

**Rates disclosed are for our highest qualified borrowers and are based on an owner occupied, single family residence.  Rates may vary depending on credit qualifications and collateral. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages.  All loans are subject to credit review and approval.  Annual Percentage Rate (APR) is based on loan amount of $125,000 with prepaid finance charges of $1,200.00 and amortization term of 360 months.  Variable interest rate based upon the one-year LIBOR index.  Please see our Adjustable Rate Mortgage (ARM) Disclosure for details regarding future adjustments, indices, and margins on our ARM loan programs.

***Loan amounts over $417,000.  Rates disclosed are for our highest qualified borrowers and are based on an owner occupied, single family residence.  Rates may vary depending on credit qualifications and collateral. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages.  All loans are subject to credit review and approval.  Annual Percentage Rate (APR) is based on loan amount of $750,000 with prepaid finance charges of $1,200.00 and amortization term of 360 months.

****Rates disclosed are for our highest qualified borrowers and are based on an owner occupied, single family residence.  Rates may vary depending on credit qualifications and collateral. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages.  All loans are subject to credit review and approval.  Annual Percentage Rate (APR) is based on loan amount of $127,187 with prepaid finance charges of $2,637.50.  FHA Fixed 15 Year is based on amortization term of 180 months.  FHA Fixed 30 Year is based on amortization term of 360 months.

*****Rates disclosed are for our highest qualified borrowers and are based on an owner occupied, single family residence.  Rates may vary depending on credit qualifications and collateral. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages.  All loans are subject to credit review and approval.  Annual Percentage Rate (APR) is based on loan amount of $127,687 with prepaid finance charges of $3,682.50.  VA Fixed 15 Year is based on amortization term of 180 months.  VA Fixed 30 Year is based on amortization term of 360 months.

Click here to view our Adjustable Rate Mortgage disclosure.

Heather Byrne

“The focus on getting to know me and building a relationship has made working with First Financial a great experience. ”

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Mortgage Loan Solutions

Our mortgage loan officers work side-by-side with you to evaluate your financing options, answer your questions and guide you through the process as you make this important home-buying decision. Let First Financial help find the right loan for you. Subject to credit approval.

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Home Equity Loans

Depending on your financial situation, a Home Equity Line Of Credit (HELOC) can often be the perfect solution for large or unexpected expenses. A home line of credit gives you the freedom to pay for the things you need, when you need them. Subject to credit approval.

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Credit Cards

Experience the financial freedom of purchasing all the things you need with a Visa® credit card from First Financial Bank. Let us know how you'd like to use your card and we'll be happy to set up an account that's best for you. Click the link below to find out more. Subject to credit approval.

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