Conventional Fixed-Rate Mortgages

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  • Loans of 10, 15, 20, and 30 years
  • Monthly principal and interest payments never increase
  • Zero-down options are available for qualified borrowers
Use our Mortgage Loan Calculator to estimate your monthly payment.
Use our Mortgage Loan Calculator to estimate your monthly payment.
Your long-range budget's best friend
There are very few things that won't rise in price in the coming years. But with a fixed-rate mortgage, your monthly housing payment will be the same in Year 15 or 30 as it is on Day One.

Traditional loans allow you to lock in affordable rates.

Fixed-rate mortgages have been popular for decades – with good reason. They're simple to understand. They keep housing costs steady and predictable. And they make long-range financial planning easier. But what if interest rates drop at some point and you want a better deal? Our mortgage team can help you refinance your fixed-rate loan anytime you like.

  • For loans of less than $806,500
  • Choose loans of 10, 15, 20 or 30 years
  • Same monthly payment for the life of the loan
  • Competitive interest rates
  • Flexible down payment options
  • Refinancing options available
  • Fixed-rate loans available through First Community Bank as well as government-backed programs run by the USDA, FHA, and VA 
  • Experienced First Community lenders guide you through the application process

First Community Bank makes homeownership easier with our mortgage loan options. Visit us in West Virginia, Tennessee, North Carolina, and Virginia.

Other Mortgage Options

Jumbo Loans

If you're buying a bigger house or moving to a neighborhood with higher property values, you may need a loan that exceeds the government limit for conventional loans. No matter the mortgage size, we can find something right for you.

  • For loans exceeding $832,750
  • Fixed-rate and adjustable-rate loans available
  • A variety of mortgage lengths available
  • Flexible down payment options
Premier Mortgage

At First Community, we understand that saving up for a 10% or 20% down payment can be a major hurdle for prospective homebuyers. That's why our Premier Mortgage, which features no down payment, has become such a favorite with borrowers.

  • Fixed- and adjustable-rate loans available
  • Borrow up to $500,000 for primary residences, secondary residences, or vacation homes
  • Private mortgage insurance not required
  • Not limited to first-time home buyers
  • Refinancing options available
More Mortgage Options

Not sure if this is the mortgage for you? 

Check out all our mortgage options to see which one fits your needs best.

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Helpful Resources

Hints for Homebuyers

Check out our best tips for buying a home and getting a mortgage easier.

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