Lending Programs

Mortgage Loans
First Bank offers a variety of home financing products. Whether you are purchasing your first home or refinancing your present one, a First Bank loan officer will be able to provide advice on the best home mortgage product once a completed application is received.

A "Home Mortgage Loan Application Kit" is available to interested customers. This kit will help simplify the home financing process. It will enable you to estimate your price range of homes and estimate the approximate monthly payment for the various mortgage options. This is a great start for the home financing process!

For current interest rates and further information, please contact a First Bank loan officer
Financing options for qualified borrowers may include:

  • Conventional- In house portfolio mortgage loans.
  • Fixed Rate- Financing with competitive market rate locked for the full term. Also available with this program is Private Mortgage Insurance which enables the borrower to purchase a home with less than a 20% down payment.
  • MSHDA- Fixed rate financing with minimum down payment and below-market interest-rate for low-to-moderate income borrowers.  Your Affordable Housing Partner!
  • Rural Development Guaranteed Mortgages- 100% financing with fixed rates for moderate income borrowers.

A First Equity Line may also be right for you. By using the equity in your home, you may qualify for a sizable amount of credit, available for your use when and how you please, at a relatively low interest rate.

Consumer Loans
Consumer loans extend credit to customers for such reasons as auto loans, home improvement, retail/consumer goods - including recreational vehicles, boats and personal expenses at competitive interest rates.

Commercial Loans
Funds are used for the purchase and/or development of new or existing businesses.

SBA (Small Business Administration)
Guaranteed loan program which assists businesses that may not qualify for conventional lender financing.


United States Small Business Administration – Your federal source for small business funding and information.

Please contact a BANK REPRESENTATIVE to assist you with any of our lending programs.


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