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Would lowering your monthly mortgage payments get you closer to your financial goals? Are you looking for a way to decrease your mortgage interest rate? It may be time to consider partnering with First Bank and Trust Company for mortgage refinancing.
At First Bank and Trust Company, we're your friendly neighborhood experts. We take pride in serving homeowners in Virginia, Tennessee and North Carolina. When you choose us, you're choosing a trusted partner who understands your unique needs.
Work directly with one of our Mortgage Bankers to determine if a home refinance is right for you. You'll have access to the best mortgage refinance rates available today.
When you choose First Bank and Trust Company for your mortgage refinance, you'll work directly with our experienced Mortgage Bankers. They are dedicated to understanding your financial goals and tailoring a refinance solution that suits your needs.
Unlock the Best Rates Today
Lowering your monthly mortgage payments and reducing your interest rate could be the key to achieving your goals. Our commitment to providing the best mortgage refinance rates available today is rooted in our mission to help you achieve financial success.
Ready to discover the possibilities of lower rates and increased savings? Reach out to one of our Mortgage Bankers to discuss available options and rates.
Use our simple, user-friendly calculators to estimate your new monthly payments and visualize your potential savings with mortgage refinancing.
Cash-out refinancing is a mortgage refinancing option that offers you the opportunity to leverage the equity you've built up in your home.
With cash-out refinancing, you can use the funds for a wide range of financial needs:
At First Bank and Trust Company, our experienced team of mortgage experts will guide you through the cash-out refinancing process with personalized attention and care. Speak with one of our Mortgage Bankers today to explore your options and find the best solution for your financial goals.
A Fixed Rate Mortgage comes with no surprises. With a Fixed Rate Mortgage, your interest rate remains the same throughout the life of your loan. This means your monthly principal and interest payments stay consistent, making budgeting a breeze.
Benefits:
Adjustable Rate Mortgages (ARMs) are a financial chameleon, adapting to changing interest rate environments. ARMs often offer lower interest rates than fixed-rate loans, making them attractive to some homebuyers.
Benefits:
Considerations:
If you would like to explore your mortgage options further, contact one of our experienced Mortgage Bankers to learn more.
Loan Term Adjustment is a flexible option that allows you to tailor your mortgage to better suit your financial goals. It gives you the ability to choose the duration of your mortgage term, which can have a significant impact on your monthly payments, overall interest costs, and how quickly you pay off your loan.
If you opt for a shorter loan term of 15 to 20 years, you'll experience several benefits:
If you choose a longer loan term, such as 30 years, your advantages will be:
The choice between a shorter or longer loan term depends on your financial situation and financial goals. Remember, there's no one-size-fits-all solution when it comes to loan terms, contact one of our Morgage Bankers to determine which could be the right fit for you.
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