People in our community have trusted us with their home lending needs since 1876, and you can too!
Whether you’re in the market for a new home, looking to refinance or make home improvements, you can trust The First for your mortgage or loan. We have a proven track record of helping our customers find the product that's perfect for them. Our rates are competitive, our experts are always available and our commitment to friendly, personal service extends to every customer.
It’s one more way we’re First for You.
Our mortgages remain in house. Your payments are made locally and we answer all of your questions.
Fixed rate loans offer you a predictable monthly payment, which stays the same for the duration of the loan. We have options allowing you to pick the payment schedule that’s right for you.
Effective as of 8/15/2025
| Interest Rate | APR11 | |
|---|---|---|
| : 10 year Fixed Rate | Interest Rate: 5.875% | APR11: 6.186% |
| : 15 year Fixed Rate | Interest Rate: 5.875% | APR11: 6.095% |
| : 20 year Fixed Rate | Interest Rate: 6.250% | APR11: 6.428% |
| : 30 year Fixed Rate | Interest Rate: 6.375% | APR11: 6.510% |
| : 30 year MRRP Rate * | Interest Rate: 5.375% | APR11: 5.502% |
The interest rates and annual percentage rates (APRs) shown are available as of 9:00am on the date shown. They are subject to change without notice.
11 APR assumes a $100,000 loan with excellent credit history and a maximum loan to value of 80%. Rates and down payment requirements vary according to credit history. Subject to credit approval. Monthly payment amounts vary by loan term and rates. Higher loan amounts may have higher rates. Below are payment examples based on a $100,000 loan and the APRs listed above:
Other mortgage loan options and terms are available.
Thinking about building? Our construction loans are based on the appraised value of your future home including the lot. You pay interest only for the term of the loan. And, when you’re ready to move in, you can choose permanent financing that's best for you.
Land and lot loans are best for those looking to buy land to build their next home on, but not in the immediate future. Your loan payments will be a fixed monthly rate for a shorter amount of time, until you're ready to take out a mortgage.
Have you found your new dream home but haven’t sold your current one? Our bridge loans may offer you the flexibility to make this happen by providing temporary financing you need for the transition.
Both homes are collateral for the loan and you only pay interest for the term of the loan. When you’ve fully transitioned, you can choose permanent financing.
If you are a veteran or active duty service member, then you are eligible to apply for a VA loan. These can only be used for primary residences, allows you to purchase a home with no down payment or mortgage insurance.
Buying your first home is exciting, but without the right resources and tools to help you through the homebuying process it can start to feel overwhelming. At The First, our mortgage team is here to guide you through the process step-by-step, from preparing for the mortgage application process to financing options, loan programs and everything in between. You know your dream home when you see it, now let us help you make it yours!
Contact a Lender to get started today.
Home equity loans and lines of credit let you borrow money against the equity of your home. These are typically used for home renovations or home improvement projects.
For information on our rates, visit our Rates page.
A home equity line of credit (HELOC) is a form of credit you can use for large expenses — like a home renovation. The credit is secured by the equity in your home.
It's perfect for multiple expenses over a period of time. Borrow as you need, pay back as you go and avoid paying interest on the money you don't use.
A home equity loan enables you to borrow money by leveraging the equity in your home. Unlike a home equity line of credit, the loan amount is dispersed in one lump sum and paid back in monthly installments.
Our home equity loans are an efficient way to get things done when it’s time to make some upgrades, go on a trip or pay for an unexpected expense.
If you want to learn more, a member of our experienced real estate lending team will come to you and provide guidance every step of the way during the home loan process. Our real estate lenders can be reached at 620.694.2310 in Reno County or 316.444.2550 in Sedgwick County.
