Home Mortgage

Are you ready to refinance, build or buy a home? Firstbank offers a variety of affordable mortgages, and our experienced mortgage consultants will help you select a loan that’s all about you, your lifestyle and your budget.

  • Up to 100% Financing
  • No Points
  • No Pre-Payment Penalties or Unexpected Fees
  • Mortgages Serviced Locally by Firstbank

Applying

Please bring the following when you apply for your mortgage, or apply online.

  • W-2 forms for the last two years
  • Copies of your most recent pay stubs
  • Copy of most recent bank statement and investment statement
  • If self-employed, two years of tax returns
  • Complete purchase agreement (if applicable)

Adjustable Rate Mortgage

An ARM offers a lower initial interest rate and monthly payments for a fixed period of time. Later, the payments change yearly for the remaining life of the loan.

Bridge Loan

This loan helps people who want to buy a home but have not yet sold their current home. “Bridge” the financing of both homes until the current home is sold.

Construction Mortgage

Borrowers can construct a home, by a licensed builder, making interest-only payments on the construction credit line. Once built, the loan will be converted to a fixed rate mortgage, balloon mortgage or adjustable rate mortgage.

First-Time Home Buyers

This program allows for 100% financing of the purchase price with no down payment for qualified borrowers.

Fixed Rate Mortgage

Choose the length of time that’s right for you with zero to 20% down. The principal and interest payments remain constant over the life of the loan, helping the borrower manage cash flow.

Jumbo Mortgage

As the name implies, “Jumbo” mortgages are larger than the normal fixed rate and adjustable rate mortgages. Though Firstbank originates these loans, servicing is not retained by Firstbank.

Renovation Mortgage

Lock in a rate to purchase and renovate a home or to refinance a current home and use the loan to remodel it. Ask us for details.

Vacant Land Loan

These loans make it possible to purchase or refinance vacant land or lots. A variety of payment options are available.

Mortgage Calculators

Mortgage Lenders

Find a mortgage lender in your area and view their National Mortgage Licensing System ID numbers.

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