Whether you’re in the market for a new home, looking to refinance, or make home improvements, trust the area’s leading community bank for mortgage loans that stay right under our own roof. This means we service your mortgage in house. Payments are made locally, questions are answered locally. Our rates are competitive, our experts are always available and our commitment to friendly, personal service extends to each and every customer. It’s one more way we’re First for You.

The First also offers Home Equity Loans and Lines of Credit.

Purchasing, refinancing or building your primary residence? Our loans are tailored to fit your individual preferences and needs.

• Fixed Rate
• Construction
• Bridge
• Other Options

Want to do your homework before applying?  Use our Calculators to estimate payments.

Fixed Rate – Fixed rate loans offer you a predictable monthly payment which stay the same for the duration of the loan. Our options allow you to pick the payment schedule that’s right for you.

Construction – 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 best fits your needs.

Bridge – Have you found your new dream home but haven’t sold your current one? Then our Bridge Loans may offer you the flexibility to make this happen by providing temporary financing you need to 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.

Other Options

• Land or Lot Loans
• Home Equity Lines of Credit
• Home Improvement Loans
• Transition Loans (for expenses pending a real estate sale)

View our list of Frequently Asked Questions