InFirst Bank offers Fixed-Rate and Adjustable-Rate Mortgages as well as New Construction Loans, USDA, FHA, and VA loans.
Are you a medical doctor, attorney, or have your PHD and working in your field of study? Then our Professional Mortgage may be a perfect fit for you! Maximum term is 30 years. No private mortgage insurance required. Maximum loan-to-value is 97%. Monthly housing expense-to-income and debt-to-income ratio will follow our general loan policy guidelines. Call us today for more information!
Hometown Hero Mortgage
InFirst Bank's Hometown Hero Mortgage is a program that helps our our Law Enforcement Officers, EMT's, Firefighters, and Active/Retired Military Personnel who give so much back to our communities. Maximum term is 30 years. No private mortgage insurance is required. Maximum Loan-to-Value is 90%. Monthly housing expense-to-income and debt-to-income ratio will follow our general loan policy guidelines.
First Time Homebuyer Mortgage
Our First Time Homebuyer mortgage is for individuals who: have not owned a home within the past 3 years or owned a home jointly with a spouse, but not individually, within the past 3 years. This definition includes a married couple if either has not owned a home within the past 3 years. Call an InFirst Bank rep today to see if this is a good fit for you!
A Fixed-Rate Mortgage is a mortgage in which the interest rate does not change during the entire term of the loan. These mortgages are offered in various terms. The only change in payments a borrower may incur would be an increase or decrease in the amounts the lender collects for mortgage insurance, real estate taxes, or property insurance (escrow payments).
A fixed-rate loan "amortizes" the money borrowed over the stated term by paying the interest due and reducing the principal a little each month. In the early years, most of the monthly payment goes toward interest and very little is applied toward the principal. The reverse occurs in the later years of the loan.
An adjustable-rate mortgage (ARM) is a mortgage in which the interest rate changes at predetermined intervals. The interest rate will increase or decrease based upon an index which reflects the current money market rate. The change in interest rate will also change the borrower's monthly payment. To protect the borrower from "Payment Shock", the loan has preset limits as to the amount the interest rate can change both annually and over the life of the loan.
Purchase Plus Mortgage
Purchasing a home that needs a little TLC? Our Purchase Plus Loan is a fixed-rate mortgage in which you can Purchase AND Renovate all in one loan!
New Construction Loans
Building a new home? We can help! With a construction loan, you can: finance the building of your home from start to finish, build a large additon onto your home, build a modular home or a double wide on foundations.
Refinance Plus Renovation Mortgage
Our Refinance Plus Renovation Mortgage is a loan for refinancing a current mortgage where additional funds are needed for renovations.
USDA / FHA / VA Mortgage Programs
USDA, FHA, and VA mortgage programs offer the borrower lending solutions with little or no money down. Contact a customer service represenative today to see if one of these programs is right for you.
Construction Mortgages, USDA, FHA, VA and Blanket Mortgage loans are not eligible for online applications. Please contact us at the link below and a customer service representative will be happy to help you process your request quickly and efficiently.
The "apply" link on this page is only for eligible Mortgage Products. Please visit the corresponding page to apply for a Home Equity Loan, a Home Equity Line of Credit, or a Personal Loan.