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.

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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.

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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
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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
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Rates

Conventional Mortgage

Effective Date: 4/3/2025

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: 4/3/2025

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.

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