Mortgage Rates

30-year fixed mortgage rates as low as 6.75% (6.84 APR)*
Available on new conventional mortgages
Requires automatic payments from a First Community Bank checking account

One Loan. Flexible Payment Options.

Our 30-year fixed-rate mortgage offers stability and flexibility to meet your financial goals. Qualified borrowers may be eligible for: ¹

Traditional down payments
Low down payment options
No down payment programs

How Your Down Payment Affects Your Rate

Your interest rate and loan terms depend on several factors, including your down payment amount.

Loans with higher down payments may qualify for lower rates
Lower or no down payment options may have higher rates or additional requirements, such as mortgage insurance.

Understanding these factors can help you choose the option that best fits your financial situation.

Save More with Relationship Banking²

Set up automatic payments from a First Community Bank checking account and you may qualify for a 1.000% interest rate discount on eligible conventional mortgages. Benefits include:

Lower monthly payment
Potential long-term interest savings
Simple, automatic payments

Discount available on new conventional loan products and requires automatic payment from a First Community Bank checking account.

See How a Lower Rate Impacts Your Loan

Example Scenario: ³

Loan Amount: $250,000
Down Payment: $0
Loan Term: 30-year fixed-rate mortgage (360 monthly payments)

Interest Rate (APR)	7.750% (7.84% APR)	6.750% (6.84% APR)	Total Savings
Estimated Monthly Payment	$1,791.06	$1,621.50	$169.56/month
Total of 360 Payments	$644,781.60	$583,740.00	$61,041.60 Total Saved
Total Interest Paid	$394,781.60	$333,740.00	$61,041.60 Total Saved

*Available Rates: Standard rate: 7.750% (7.84% APR) | Discounted rate with eligible automatic payment: 6.750% (6.84% APR).

Rates effective as of September 29, 2026, and subject to change without notice. Rates may vary based on credit, loan structure, property type, and underwriting guidelines. Not everyone who applies for a loan with First Community Bank will qualify.

APR includes the interest rate plus applicable fees and is based on the purchase of a primary residence, a loan amount of $250,000 with a Loan to Value (LTV) of 80%, a credit score of 740, and a Relationship Banking Discount.

¹Rates and terms will vary based on down payment, credit profile, and other factors. Lower down payment and no down payment options are available through select programs for qualified borrowers and may result in different rates, terms, or additional requirements.

²Offer valid on new, eligible conventional mortgage loans only. Requires automatic payments from a First Community Bank checking account.

³Payment examples are for illustrative purposes only and are based on a $250,000 loan amount. Payments shown include principal and interest only and do not include taxes, insurance, mortgage insurance, HOA dues, or other escrowed amounts, which will increase the actual payment.

Rates as low as 6.750% (6.84% APR) are available to well-qualified borrowers based on the example scenario described above. Actual rates may vary based on creditworthiness, loan-to-value ratio, loan amount, occupancy, property type, and other factors.

All loans are subject to credit approval and underwriting guidelines. Terms and conditions apply.

First Community Bank NMLS #423539. Equal Housing Lender.

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One Loan. Flexible Payment Options.

How Your Down Payment Affects Your Rate

Save More with Relationship Banking2

See How a Lower Rate Impacts Your Loan

Save More with Relationship Banking²