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For most people, mortgages are a part of life - if you want to buy a home, you're likely to need a mortgage. We work hard to make sure your mortgage fits your long-term financial goals. We want you and your family to have a strong foundation to build your future on.
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Fixed-rate mortgages give you the peace-of-mind knowing your monthly principal and interest payments will not change. With the added convenience of an escrow account you'll never have to worry about a large tax or insurance bill. Loans are available for up to 95% of your homes value.
An adjustable rate mortgage has a lower interest rate that is fixed for an initial period and then adjusts based on financial market conditions. During the initial period, an ARM typically has a lower interest rate than a comparable fixed-rate mortgage, so you can save on your monthly payments during the early years of your loan term.
FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) - which is part of HUD - insures the loan. FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan. Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs all in one loan. With the added benefit of low down payment requirements and the option to receive the down payment from a family member, FHA loans are one of the most readily available mortgages today.
With the Condo market being so unique, our goal is to help with financing within the Dalton and Calhoun Markets. We are offering a 3/1 Adjustable Rate Mortgage up to 30 year terms at a 95% loan. With this you have the satisfaction of having a fixed rate for the first three years.
A vacation home can be a good investment, provide rental income and provide a tax deduction. It can even turn into your year-round home after you retire. Investment property loans can be structured in many different ways. Our goal is to find the right mortgage for your needs and long-term goals.
For home buyers who need financing to purchase more expensive property or investment-minded buyers who can make a large purchase, but want to leverage their assets more effectively, a jumbo mortgage might be right for you. Contact our mortgage department today.
Our experienced mortgage officers will take the time to understand your specific home mortgage needs. In addition to the mortgage loans above, First Bank also offers the following loan types:
Applying for a First Bank mortgage is easier than ever. Click here to get started.
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