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The First is committed to helping you find the right mortgage product. We understand that every borrower is different, and we offer a variety of products.

We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

 

Rates as of September 29, 2016 at 10:00 AM

 

                               30 Year Fixed                                                           15 Year Fixed

                Simple Interest Rate + Points     A.P.R.            Simple Interest Rate      A.P.R

Conventional*

95% LTV                     3.250+ 1.0%            3.764                         2.500+ 1.0%       3.027

Conventional*

95% LTV                      3.500+ 0%             3.941                           2.750+ 0%         3.138

FHA**

96.5% LTV                 3.000+ 1.0%          4.117                         3.000+ 1.0%     4.183

FHA**

96.5% LTV                     3.375+ 0%          4.410                           3.000+ 0%        4.032

VA**

100% LTV                    2.750+ 1.0%         3.013                           2.750 + 1.0%     3.236

VA**

100% LTV                     3.000+ 0%           3.186                              2.750+ 0%       3.088

RD**

100% LTV                     3.000+ 1.0%        3.845                                   NA   

RD**

100% LTV                       3.250%+ 0%      4.013                                   NA   

 

All rates are subject to change and are quoted for purchase loans only with a rate lock of 45 days. *Conventional rates are based on a $150,000 loan with a 95% loan to value and a credit score of 720. **FHA/VA/RD rates are based on a purchase price of $150,000, credit score of 720 and maximum LTV. Specific interest rate and annual percentage rate may be higher or lower based on type of loan, rate lock period, borrower's credit score, loan to value and other qualifying criteria. Detailed closing costs and fees provided at application. Call for specific rates and for rates on ARM loans, construction loans, JUMBO loans and bond/grant loans or rates with a lender credit to reduce upfront out of pocket expenses.

 

 

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Look in "About Us" for more information on each of our mortgage officers.   Contact us here at The First, A National Banking Association to find out more about the products and services we offer.