Conventional Loans - Home Mortgage Financing

Mortgage

The Best Conventional Loan Rates to Finance Your Future Home

When it’s time to purchase a new home, financing can play a significant role. You not only want to find your dream home, but you also want a mortgage that accommodates your financial goals. Whether you're ready to purchase a home in Virginia, North Carolina, or Tennessee, our Mortgage Bankers will help you secure conventional home financing with ease. We are also happy to serve homebuyers in the surrounding states of Maryland, Kentucky and West Virginia.

Reliable Mortgage Servicing

At First Bank and Trust Company, we're committed to servicing the life of your mortgage loan. Unlike other lenders who end their services at closing, we walk alongside you from purchase to payoff. We have long-standing expertise in mortgage servicing to support you with managing payments, administrating escrow accounts and tax payments, and more.

Finding the right mortgage rate is crucial when purchasing a new home. At First Bank and Trust Company, we understand the importance of securing a rate that aligns with your financial goals. Our Conventional Mortgage Rates are competitive, offering you stability and predictability in your monthly payments. Whether you're looking to buy a home in Virginia, North Carolina, Tennessee, Maryland, Kentucky, or West Virginia, our Mortgage Bankers are here to guide you through the process and help you find the best rate for your needs.

Key Features of Our Conventional Mortgage Rates:

Competitive Rates: Benefit from competitive interest rates that suit your budget and financial goals.
Flexible Terms: Choose from a variety of term options to find a mortgage that fits your unique situation.
Personalized Guidance: Our experienced Mortgage Bankers will work closely with you to understand your needs and help you make informed decisions.
Transparent Process: We believe in transparency, and our mortgage process is designed to keep you informed at every step.

When it comes to securing a conventional mortgage, understanding the requirements is essential. At First Bank and Trust Company, we make the process straightforward, helping you navigate the criteria needed for conventional home financing. Whether you're a first-time homebuyer or an experienced homeowner, our Mortgage Bankers are dedicated to ensuring a smooth and efficient loan application process.

Basic Conventional Mortgage Requirements:

Credit Score: A good credit score is essential for securing a conventional mortgage. We'll work with you to understand your credit profile and explore options that match your situation.
Down Payment: Conventional loans typically require a down payment. Our Mortgage Bankers will guide you on the ideal down payment based on your financial capacity.
Income Verification: Providing proof of income is a standard requirement. We'll help you gather the necessary documentation to streamline this process.
Property Appraisal: A professional appraisal of the property is conducted to determine its market value.
Debt-to-Income Ratio: Evaluating your debt-to-income ratio helps determine your ability to manage mortgage payments. We'll assist you in understanding and optimizing this ratio.

At First Bank and Trust Company, we are committed to making the conventional mortgage process clear and accessible. Our team is here to answer your questions and guide you through each step, ensuring you feel confident and informed on your homeownership journey.

Competitive Mortgage Loan Rates

At First Bank and Trust Company, we offer competitive mortgage loan rates for the life of your loan. Whether you need a fixed loan rate or to simply refinance an existing mortgage, our Mortgage Bankers will find a financing solution that works for you.

Since mortgage interest rates change frequently with the market, it’s best to work with your local representative to get your custom rate quote.

Get your custom rate quote. Call or apply today.

Adjust Your Loan to Fit Your Needs

Mortgage Refinancing

Need to make changes to your existing mortgage? A home refinance may be right for you. A mortgage refinance may help decrease your interest rate, lower your monthly payment, pay your mortgage off sooner, or provide funds for home improvements.

Consult with a First Bank and Trust Company mortgage expert to determine next steps for refinancing.

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