Home Mortgage Loans

Making memories is your job. Making your home dreams come true is ours. We’ll treat you like neighbors the whole way.

Key Features

  • Competitive Rates
  • Free Pre-Qualification
  • Variety of Programs
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  • Competitive interest rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of repayment terms customized to your unique situation
  • Variety of financing programs available
  • Helpful loan advisors with working knowledge of the local real estate market
  • Pre-qualification for extra confidence when buying your home
  • Refinance your current home to potentially lower your rate
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

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Ready to achieve homeownership? From pre-qualification information to rate quotes, our mortgage resource center has everything you need.

Mortgage Center

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A Conventional Mortgage offers fixed rates, fixed terms, along with fixed principal and interest payments.

  • Fixed rate for the life of the loan
  • Flexible terms
  • Private Mortgage Insurance (PMI) may be required 
  • No prepayment penalty

At First Metro Bank, we take pride in honoring our past and current veterans. VA loans offer excellent rates and terms for eligible veterans and require no down payment.

  • Veteran eligibility requirements apply
  • Up to 100% financing 
  • VA Funding Fee required, but can be financed through the loan
  • Flexible terms
  • Limited closing costs
  • No prepayment penalty

FHA Loans are insured, private loans backed by the Federal Housing Administration. They’re great for individuals, such as first-time homebuyers, who prefer a lower down payment than those required by a traditional mortgage.

  • Fixed interest rate for the life of the loan
  • Flexible underwriting standards
  • Mortgage Insurance Premium (MIP) required
  • FHA Funding Fee required, but can be financed through the loan
  • No prepayment penalty

A USDA Mortgage is a fixed-rate mortgage available for those who live in a rural area as defined by the USDA and meet the specific income requirements.

  • Up to 100% Financing available
  • Mortgage Insurance Premium Required
  • USDA Funding Fee required, but can be financed through the loan
  • Flexible terms
  • No prepayment penalty

Build your dream home with a construction loan from First Metro Bank! Our Mortgage Services Team will be by your side throughout the entire process to make your dreams come true.

  • Interest-only payments during home construction phase
  • No prepayment penalty
  • Option for permament financing to eligible borrowers
  • Single loan closing for construction and permanent financing available

A Jumbo loan is a mortgage product with high credit quality that exceeds conventional loan-servicing limits. They can be used to purchase primary residences, second homes, or vacation homes.

  • Home financing options above 548,251
  • 20% down payment normally required
  • Terms up to 30 years
  • No prepayment penalty
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