Mortgage Solutions

Mortgage Solutions for You

We understand that your dream of homeownership is unique, and we're here to help you find the perfect home loan solution that matches your goals and needs.

No matter what your homeownership aspirations may be, we have a mortgage product designed to fit your specific situation. Whether you're a first-time homebuyer, refinancing your existing home, or looking for a jumbo loan, we've got you covered.

Navigating the mortgage market can be daunting and we're here to simplify the process for you. Our team of experts will provide you with clear explanations and personalized guidance, so you can confidently make informed decisions about your mortgage.

Let us assist you in finding the right mortgage solution to make your dreams of owning a home come true.
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Premier Mortgage

No down payment. No hassle.

  • No down payment
  • Competitive fixed and adjustable rate loans up to $1,000,000 on primary residences and $750,000 on secondary residences
  • Private mortgage insurance not required
  • Not limited to first-time home buyers
  • Purchase and no-cash-out refinance available for single-family, primary residences, and owner-occupied vacation homes

Get $150 Toward Closing†

Conventional Fixed-Rate Mortgage

A fixed rate and fixed payment for the life of your loan means budgeting for the future just got easier.

  • Fixed interest rate and monthly payment for the life of the loan
  • Competitive interest rates
  • Flexible terms and down payment options
  • Secondary market and in-house portfolio loan programs available


Government Mortgage

Save money through Federal Housing Administration (FHA), Department of Veterans Affairs (VA), U.S. Department of Agriculture (USDA) mortgage loans.

  • Requires less cash for a down payment and closing costs
  • May allow higher debt ratios


Adjustable-Rate Mortgage (ARM)

With our ARMs, you get flexibility plus an affordable monthly payment and low interest rate loan.

  • Initial interest rate typically lower than conventional fixed-rate loans
  • Flexible terms and down payment options
  • Fixed interest rate and monthly payment for an initial period of 7 or 10 years and then adjusts annually after that (includes an interest rate cap that limits how high your adjusted interest rate can go)


Jumbo Mortgage

No matter the mortgage size, we can find something right for you.

  • Available for loan amounts above $500,000
  • Fixed and adjustable rates available
  • No matter the mortgage size, we can find something right for you.
  • Flexible terms and down payment options





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Home Equity Loans and Lines of Credit

Improve your home, consolidate high interest debt, or plan a dream vacation using a fixed-rate Home Equity Loan or a variable-rate Home Equity Line of Credit.

  • Quick loan processing
  • Interest may be 100% tax deductible (consult your tax advisor)
  • Conveniently access funds from your Home Equity Line of Credit when needed
  • Flexible monthly payment options, including interest only, available on a Home Equity Line of Credit


Land or Construction-to-Permanent Mortgage

If you’re thinking of purchasing a plot of land, we offer competitive land loans right for any acreage.

If you’re getting ready to build your dream home, we offer a one-time loan closing construction-to-permanent loan with flexible terms and rates. The best part is this loan will roll over into a mortgage once your house is built.


















Our Promise to You


We want you to know that your happiness is our utmost priority. We're here to make your home-buying experience seamless and tailored to your needs, ensuring that your journey as a homeowner is everything you've ever dreamed of.

Your satisfaction is what drives us. We are committed to putting you first in every step of the home-buying process. Your happiness is not just a goal; it's the cornerstone of our mission.

We understand that buying a home can be a significant undertaking. That's why we're dedicated to simplifying the process for you. Our team is here to provide you with clear guidance, answer your questions, and ensure that you have all the information you need to make confident decisions.

Consider us your trusted partner on your path to homeownership. Your dream of owning a home is our dream too, and we'll go above and beyond to help you achieve it. Your happiness and success are our driving forces.

Our team promises to make your journey to homeownership not just easy but also delightful. Your dreams are our mission, and we're here to turn them into reality.


Our Homebuying Journey with You

 



















We’ve designed a seamless homebuying process that puts you at the center of every step. Here's how we'll guide you from your dream of owning a home to holding the keys to your new place.

Your journey begins with prequalification, tailored to your unique circumstances. We utilize automated underwriting findings to provide you with a clear picture of your options. Based on your goals, we'll present you with loan choices and expert recommendations to help you find the best mortgage solution.
As soon as you identify your dream property, we swing into action. We update our findings and start collecting the necessary documents from you. You can use our convenient automatic search-and-link feature in your portal to import your asset and income documentation. In most cases, we also order the appraisal promptly, ensuring your file is complete as quickly as possible.
We don't believe in keeping you waiting. After the initial documentation review, we promptly accept and review any outstanding conditions in real-time. We're proactive, even following up with third parties to ensure all conditions are met, so you can move forward with confidence.
Just before closing, we'll ensure that all final closing details are crystal clear for you. Our goal is to prevent any last-minute surprises or miscalculations, so you can approach closing day with peace of mind.
Finally, the big moment arrives – closing day. This is when you'll receive the keys to your new home. It's the culmination of your journey, and we're here to make it a smooth and joyous occasion.






Your dream of homeownership is our mission, and our process is built around making that dream a reality for you. We're with you every step of the way, ensuring your experience is as enjoyable as it is efficient. Welcome to your new home!

† $150 will only be available for an in-house, first-lien, fixed-rate conventional product for an owner- occupied property.

* Loan Programs may change at any time with or without notice. Information deemed reliable but not guaranteed. Consult one of our mortgage professionals for program specific details, requirements, and limitations. All loans are subject to credit approval and property appraisal. Not a commitment to lend.

^ Homes located outside of First Community Bank's market area may not be eligible for in-house financing. 


NMLS: 423539; NMLS Mortgage Lender Directory