Happiness is owning your own home!

At InFirst Bank, we aim to make the mortgage process as simple as possible for you. Whether you’re buying a home, needing to renovate your current home, or looking to refinance an existing mortgage, our experienced lenders provide helpful, personal service.  We’re here in your community, whenever you want to pick up the phone or stop by – eager to answer your questions, help you choose the best loan for your situation, and offer lending advice.  When you’re ready to take the next step, we’re ready to make you feel at home!

Here is a current list of mortgage products offered at InFirst Bank:

Professional Mortgage

Are you a medical doctor, attorney, CPA, or have your PHD and working in your field of study? Then our Professional Mortgage may be a perfect fit for you!

Maximum term is 30 years.  No private mortgage insurance required.  Maximum loan-to-value is 97%.  Monthly housing expense-to-income and debt-to-income ratio will follow our general loan policy guidelines.

Posted rates are for well qualified borrowers.  Final rate is determined by credit score.

Hometown Hero Mortgage

InFirst Bank’s Hometown Hero Mortgage is a program that helps Law Enforcement Officers, EMT’s, Firefighters, and Active/Retired Military Personnel.  You selflessly help others and make our communities a better place to live and work. Our Hometown Hero Mortgage is our way of saying ‘thank you!’ for all you do for us!

Maximum term is 30 years.  No private mortgage insurance is required.  Maximum Loan-to-Value is 90%.  Monthly housing expense-to-income and debt-to-income ratio will follow our general loan policy guidelines.

Posted rates are for well qualified borrowers.  Final rate determined by credit score.

First Time Homebuyer Mortgage

Our First Time Homebuyer mortgage is for individuals who: have not owned a home within the past 3 years or owned a home jointly with a spouse, but not individually, within the past 3 years.  This definition includes a married couple if either has not owned a home within the past 3 years.

Counseling required to prepare for homeownership; including mandatory topic of predatory lending.  Counseling must be completed by at least one adult resident homebuyer.  Maximum loan-to-value is 90%.  No private mortgage insurance required.  Maximum term is 30 years.

Posted rates are for well qualified borrowers.  Final rate determined by credit score.

Adjustable-Rate Mortgage

An adjustable-rate mortgage (ARM) is a mortgage in which the interest rate changes at predetermined intervals. The interest rate will increase or decrease based upon an index which reflects the current money market rate. The change in interest rate will also change the borrower’s monthly payment. To protect the borrower from “Payment Shock”, the loan has preset limits as to the amount the interest rate can change both annually and over the life of the loan.

Posted rates are for well qualified borrowers.  Final rate determined by credit score.

Purchase Plus Mortgage

Purchasing a home that needs a little TLC?  We can help make it your dream home!  Our Purchase Plus Mortgage will let you Purchase AND Renovate all in one loan!

Posted rates are for well qualified borrowers.  Final rate determined by credit score.

New Construction Loans

Building a new home?  We can help!  With a Construction Loan from InFirst Bank, you can finance the building of your home from start to finish, build a large addition onto your existing home, or build a modular home or double wide on a foundation.

Posted rates are for well qualified borrowers.  Final rate determined by credit score.

Refinance Plus Renovation Mortgage

Our Refinance Plus Renovation Mortgage is a loan for refinancing a current mortgage where additional funds are needed for renovations.

Work must be completed by an approved contractor.  Maximum loan-to-value is 85%.  InFirst Bank must be 1st in lien position.

Posted rates for are well qualified borrowers.  Final rate determined by credit score.

Manufactured Home Loans

If you’re purchasing a MANUFACTURED HOME then this may be the mortgage for you.  The following criteria is for both the purchase of an existing manufactured home & the refinance of a manufactured home.

  • Unit may be a single or double wide & cannot be older than 20 years.  Verification of age will be needed.
  • Borrower must own the land where the unit is located.  A mortgage will be placed on the land.  Title insurance (purchase) or Title Certificate (refinance) will be required on the land.
  • If the title to the unit has not been surrendered, InFirst Bank will hold the title as collateral with the Bank’s encumbrance noted thereon.
  • Unit may be set on a slab, block, full foundation, or pier.  Towing hitch, wheels & axles must be removed.
  • Maximum fix-rate term is 240 months.  Maximum loan-to-value is 85%.  PMI will not be offered.  Borrower will pay all fees associated with the loan.

The following criteria applies to CONSTRUCTION LOANS for a Manufactured Home

  • InFirst Bank will finance new single or double wide units only.
  • Home must be set on a permanent foundation (which includes a slab) or a code compliant pier set where the title has been relinquished.  Verification will be provided through the manufactured home dealer where the unit is being purchased.
  • Maximum fixed-rate term is 300 months

Maximum loan-to-value is 85%.  PMI will not be offered.

USDA / FHA / VA Mortgage Programs

USDA, FHA, and VA are government loan programs that offer the borrower lending solutions with little or no money down.

RURAL HOUSING USDA

FHA LOAN

VA LOAN

Current Rates
Mortgage Resolution and Information Requests

Nationwide Mortgage Licensing System & Registry Search

Mortgage Escrow – Property Tax – Insurance and Information Requests

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**PLEASE NOTE**

  • Mortgage rates in the Online Application DO NOT reflect a .25% discount for an automatic debit of payment from an InFirst Bank checking or savings account. If you choose automatic debit from an InFirst Bank checking or savings account you will receive a .25% discount when your loan closes. Please contact your Customer Service Representative with any questions.
  • Construction Mortgages, Government Loans such as USDA/VA/FHA, and Blanket Mortgage loans are not eligible for online applications.  Please contact us at the link below and a customer service representative will be happy to help you process your request quickly and efficiently.
  • The “apply” link on this page is only for eligible Mortgage Products.  Please visit the corresponding page to apply for a Home Equity Loan, a Home Equity Line of Credit, or a Personal Loan.
  • Online applications cannot exceed $510,400.00.  Please click the “contact us” button below and we will contact you to complete your application

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