mortgage loans—you have options

Whether you’re buying, building, remodeling, or refinancing a home, it’s a big deal. And that’s how we treat it. It’s also why we offer a range of mortgage loans to give you flexibility in choosing the one that fits your situation right now.

Estimate your loan payment

Ready to estimate your monthly mortgage payment for any type or size of loan you want? Use our handy calculator. It allows you to change interest rates, choose fixed-rate or adjustable-rate loans, the length of the loan, and even add an amortization table.


Fixed rate

For a fixed rate mortgage, the interest rate remains the same throughout the loan term. That means the principal and interest payment will not change.

Adjustable rate

An adjustable rate mortgage gives you the opportunity to lock in a lower interest rate for a three-, five-, seven-, ten-, or fifteen-year period. Your monthly payment remains the same for the term selected.

f1RST+™

Expand your banking relationship with us and save money. Earn a rate discount when you open a new Performance or Premier Checking Account, along with automatic funds transfer (AFT) and the direct deposit of your paycheck into the First Financial account.1


Dream Builder

You’re working hard to build a good life. We’re here to help. Our Dream Builder program is designed to help homebuyers afford more home. Grants programs are available and a second mortgage up to 5% of value can be used for the down payment.2

Community Builder

For homebuyers with limited credit history or limited income, as well as those who want to buy a home in a low- to moderate-income area, our Community Builder program helps save money. With no private mortgage insurance requirements, reduced closing costs and options for grant funds and repair escrows, this loan helps make dreams come true.

CHAMP

A Community Housing Affordable Mortgage Program (CHAMP) loan provides affordable options for homebuyers with limited credit history, limited income, or looking to purchase a home in a low-to-moderate income (LMI) area, including first-time homebuyers. Down payment options are less than 20% and private mortgage insurance may not be required.3

f1RST+™

Expand your banking relationship with us and save money. Earn a rate discount when you open a new Performance or Premier Checking Account, along with automatic funds transfer (AFT) and the direct deposit of your paycheck into the First Financial account.1


Jumbo
For loans greater than $548,250 on purchasing or refinancing a home, we offer a range of options including fixed and adjustable rates.
Physicians and professionals
If you’re a physician or a professional making at least $100,000 per year4, you may qualify for a flexible mortgage loan.
f1RST+™
Expand your banking relationship with us and save money. Earn a rate discount when you open a new Performance or Premier Checking Account, along with automatic funds transfer (AFT) and the direct deposit of your paycheck into the First Financial account.1

Construction

To support your dream of building a home, we can offer flexible disbursements over time to pay building costs. We also can provide one-time closing to save you time and money on closing costs and other fees.

Bridge
When you’re buying a new home but haven’t yet sold your current one, we can help with a short-term loan. Our bridge loan is available when First Financial is providing the loan for the purchase of the new home.

FHA
Ready to buy a home but short on the down payment? An FHA (Federal Housing Agency) loan requires only 3.5%. It also offers competitive rates and flexible qualifying guidelines.
VA
U.S military veterans, active duty service members, and widowed military spouses can take advantage of low or no down payment options, no PMI, and flexible rates.
USDA
Eligible rural and suburban homebuyers may qualify for USDA (United States Department of Agriculture) home loans, designed to help low-income people repair or build homes in these areas.


1
Funds applied to discount cannot be used for closing costs or funds needed to close. For additional checking account information, please view our checking account options.

2 Value is the lesser of the purchase price or appraised value of property.

3 Waived for credit scores greater than 679.

4 Required salary amounts may vary by profession.

See a mortgage loan originator for details. All loans are subject to credit review and approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

NMLS# 619717.

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