Are you ready to buy your first home or upgrade to your dream house? First Community Bank has a home loan option for you. Our mortgage experts offer many different options to fit your needs. These include loans for first-time homebuyers and veterans, rural development loans, conventional loans, jumbo mortgage programs, adjustable rate options, and more!
Wondering what home you might be able to afford? Try one of our home financing calculators to get an idea of what your payment might look like.
We offer no cost to apply, and our online application process is quick and easy. Get pre-approved quickly when you apply online or with our mobile app today!
Select a home loan expert in your area above and apply online today, or download our mobile app below to apply online in minutes! Your dream home is just a few clicks away.
Our most popular home loan offers flexibility, affordability, and competitively priced interest rates! When you trust one of our lenders, you get a local professional who will guide you through each step of the process.
We offer a wide range of options for first time homebuyers including down payment assistance, $0 down payment for qualified borrowers, and down payment options as low as 3% for conventional financing.
If you are buying your first home and need to improve your credit, you should consider our Ascent Secured credit card. This card can help you build your credit and get on the right track to a higher credit score.
To active duty service members, veterans, and eligible surviving spouses, we offer a $0 down payment option for those who qualify under the U.S. Department of Veterans Affairs guidelines.
Service members also enjoy exclusive military benefits, flexible credit guidelines, and competitive interest rates when they purchase a primary residence.
When you choose an FHA loan, you get more flexible credit restrictions, low down payment options, and fewer closing costs. This is usually a great choice for first-time homebuyers!
If you're looking to live outside the city limits, this might be a great loan option for you! Qualified homes and borrowers can receive up to 100% financing and $0 down with a USDA home loan.
Want to see if a property is eligible? Click here and enter the property address!
If you need a loan that's above the 2025 conforming limit of $806,500, we have you covered. Trust a local professional with one of the most important purchases of your life!
What is a debt-to-income ratio?
Debt-to-income ratio is how much you owe each month compared to how much you earn. It includes credit card, car, and student loan payments. This ratio plays a large factor in what house you qualify for!
What is private mortgage insurance (PMI)?
Private mortgage insurance is a fee that is typically paid monthly for some borrowers. It will most likely be rolled into your total monthly mortgage payment, which your lender will explain. This fee protects the lender if the borrower can't pay their mortgage.
What makes up my monthly mortgage payment?
Your payment includes the principal amount plus interest, and sometimes mortgage insurance, property taxes, and homeowners insurance. Some government backed loans may include additional fees which your mortgage lender will explain to you!
