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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.

 

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  • FIXED RATE LOAN

    FIXED RATE LOAN

    Whether you are purchasing a new home or refinancing an existing mortgage, a fixed-rate loan means you lock in a rate at the beginning of the loan and it remains the same for the entire term. This type of loan is available for owner-occupied homes, second homes, or investment properties. This option is beneficial if you plan on being in your home for an extended amount of time and prefer the security of having a consistent monthly payment.

    CURRENT RATES
  • ADJUSTABLE RATE LOAN

    ADJUSTABLE RATE LOAN

    When you finance with an adjustable-rate mortgage (ARM), you get the advantage of the lowest possible principal and interest payment for a set period of time at the start of the loan, and can adjust up or down based on market conditions. This option may be right for you if you don’t plan on being in your home for the entire term of your loan or if you expect to refinance in a couple years.

    CURRENT RATES
  • FHA LOAN

    FHA LOAN

    A Federal Housing Administration (FHA) loan is insured by the Federal Housing Agency. FHA loans offer low down payments and closing costs, competitive rates and flexible qualifying guidelines. This type of loan is available for first time homebuyers and seniors. Also, if you’re interested in a more energy efficient home or a manufactured or mobile home –there are FHA solutions available to help you on your path to home ownership.

    CURRENT RATES
  • CHAMP LOAN

    CHAMP LOAN

    Community Housing Affordable Mortgage Program (CHAMP) provides flexible financing options for first-time homebuyers and for buyers looking to purchase homes located in low-to-moderate income areas. Advantages include fixed-rate terms, a low down payment and flexible credit options.

    CURRENT RATES
  • VA LOAN

    VA LOAN

    A VA loan is a mortgage program insured by the U.S. Department of Veteran Affairs and is designed to provide home financing for veterans and their families. With a VA loan you can take advantage of a low or no down payment, no private mortgage insurance (PMI) and lower interest rates. Veterans, active duty personnel, Reservists/National Guard members and some surviving spouses are eligible.

    CURRENT RATES
  • CONSTRUCTION LOAN

    CONSTRUCTION LOAN

    Our one time closing construction loan can help you build a new home. There are two phases to our construction loan; during the construction phase of the loan, the Bank draws on the loan to make payments directly to the builder as work progresses and you make interest payments on only the funds that have been disbursed to the builder. Upon the completion of construction, the loan switches to a fully amortizing mortgage where you will pay principal and interest for the remaining term of the loan.

    CURRENT RATES
  • PHYSICIAN LOAN

    PHYSICIAN LOAN

    Physicians work everyday to provide personal attention and care to their patients. That’s why you deserve the same when it comes to buying or refinancing your home. First Financial makes it simple for physicians like you to achieve homeownership and take the next step on the path to success.

    CURRENT RATES
  • JUMBO LOAN

    JUMBO LOAN

    If you are looking for a loan amount over $417,000, a Jumbo loan is the solution for you. Jumbo loans have various terms to choose from including fixed and adjustable rates.

    CURRENT RATES

*All loans subject to credit approval