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Family with house keys.

Mortgages

Whether you are considering home ownership for the first time or currently own a home and need help with your mortgage, our experienced lenders are here for you.

Many eligible borrowers are not taking advantage of the opportunities because of misinformation about getting a mortgage today. It’s important that you get the facts about buying a home in today’s market. Contact a First Bank Mortgage Officer to help guide you through the home buying process with confidence.

Before you start shopping for your new home, you will want to meet with one of our lenders to review your income, expenses, and financial goals to determine the type and amount of mortgage you qualify for.

Fixed Rate Mortgage - Your interest rate never changes, the monthly principal and interest payment remains the same for the entire term of the loan – whether it’s a 15-year, 20-year, or 30-year mortgage.

VA Loans - The VA guarantees the loan to make housing affordable to eligible U.S. veterans with little to no down payment. Refinancing of an existing mortgage loan is also available through the VA.

Guaranteed Rural Housing Loans - Available to help low-moderate income individuals purchase homes in rural areas with little or no down payment.

MSHDA – We are a MSHDA approved lender to provide low down payment options to low to moderate income families

Home Equity Line of Credit - Competitive variable rate to borrow up to 90% of the equity in your home for any purpose.

New Construction - Construct your dream home, we’ll make the process easy from the line of credit to end loan.

Recreational Property & Vacant Land Loan - Buy that cabin on the lake or hunting parcel, we offer competitive financing.

Investment Property - We offer fixed rate financing on qualified 1-4 family rental units. 

All of our lending decisions are made locally and we retain your mortgage loan.*

*except for MSHDA loans

 Online Mortgage Application

  Download Mortgage Application

 So I applied for a loan how long will it take to close?




Consumer Loans

  • Auto
  • Retail/Consumer goods
  • Boats/Recreational vehicles
  • Personal expenses
  • First Line Personal Reserve Account

 

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