Home Loans

Find the ideal home loan with First Financial. Whether you’re a first-time homebuyer or looking for a forever home, we have competitive mortgage solutions tailored to your needs.

Apply Now  for a mortgage
HomeBorrowHome LoansMortgage

Where are you in your new home journey?

I’m Curious

How much mortgage can I afford?

Just Rate Shopping

Check out First Financial’s competitive mortgage rates.

Buy or Refi Options

Compare loans options below and choose the right mortgage.

Ready to Apply

Get started online with our easy application. 

First Financial offers the following home loan types:

Conventional
Mortgage

A dependable fixed rate for a predictable monthly mortgage payment.

Features
  • Low interest rates that stay fixed for life of the loan
  • Terms up to 30 years for low monthly payments
  • Low down payments
  • Land loans available
  • Free no-obligation mortgage pre-qualification
Best For
  • Buyers looking for protection against rate volatility
  • Predictable monthly budgeting
  • Those who want peace-of-mind over the loan’s lifetime
View Rates Apply Now 

Adjustable-Rate Mortgage

The mortgage option that gives you more flexibility for the future.

Features
  • 10/10/10 ARM with low fixed rate* and financing up to 100% LTV with PMI approval
  • 5/5 ARM with low fixed rate* and financing up to 100% LTV with PMI approval
  • 30-year term
  • Free no-obligation mortgage pre-qualification
Best For
  • Buyers who want a low down payment
  • Those looking for lower initial interest rates
  • More budget flexibility
  • Borrowers who expect salary increases in the future
  • Short-term home ownership plans
  • Taking advantage of rate drops without refinancing
View Rates Apply Now 

While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.

Neither Banzai nor its sponsoring partners make any warranties or representations as to the accuracy, applicability, completeness, or suitability for any particular purpose of the information contained herein. Banzai and its sponsoring partners expressly disclaim any liability arising from the use or misuse of these materials and, by visiting this site, you agree to release Banzai and its sponsoring partners from any such liability. Do not rely upon the information provided in this content when making decisions regarding financial or legal matters without first consulting with a qualified, licensed professional.

Rates

Conventional Mortgage

Effective Date: 3/7/2026

Conventional Mortgage
TermRates as low asPointsAPR* as low asMonthly Payment Per $1,000 Borrowed
30 year6.500%06.569%$6.32
20 year6.000%06.086%$7.16
15 year5.750%05.849%$8.30
10 year5.000%05.132%$10.61
5 year4.750%04.802%$18.76
15 year Land Loan7.125%07.248%$9.06

*APR=Annual Percentage Rate. Rates are subject to change at anytime. The content above displays the current interest rates for various mortgage loan types offered by First Financial. These rates are subject to change and are based on individual creditworthiness and collateral value. It is important to note that not all applicants will qualify for the lowest rate.

Some of the available loan options include a 30-year fixed, 20-year fixed, 15-year fixed, and a 10-year fixed term. Each option offers different payment factors per $1,000 borrowed.

Adjustable Rate Mortgages

Effective Date: 3/7/2026

Adjustable Rate Mortgages
Loan TypeHeader 2PointsAPR* as low asMonthly Payment Per $1000 Borrowed
10/10/106.375%06.440%$6.24
5/55.875%05.935%$5.92

*APR=Annual Percentage Rate. Rates are subject to change at anytime. The content above displays the current interest rates for various mortgage loan types offered by First Financial. These rates are subject to change and are based on individual creditworthiness and collateral value. It is important to note that not all applicants will qualify for the lowest rate. Certain terms and conditions apply. Rate adjusts after the fixed period.

Get TruStage® Property Insurance to Protect Your Biggest Investments.

Designed for credit union members, the TruStage® Insurance Program provides affordable top-quality protection on your home, auto, and more.

Learn More  about TruStage Insurance

Build a better relationship with your money.

Tools and tips to transform your finances.

    Looking for more financial education resources? Visit our Learning Center.

    Ready to apply or have questions?

    We’re here to help. You can apply online or by calling us at 410-321-6060 or toll-free at 800-903-3328. Lock in a low interest rate mortgage before you start shopping for your next home.

    Apply Now  for a mortgage

    Learn more about mortgages by reading the consumer resources provided by the U.S. Government.