Conventional, Jumbo, FHA, VA, USDA, and others.... so many loan program possibilities depending on multiple factors.  The below synopsis of the programs we offer gives you a feel for the options available. However, there is no need to study too hard. We are here to help you navigate all the possibilities.
The best part, no matter where your dream home is located First Community Bank can help make it a reality. To get started call or email a First Community Bank mortgage lender directly or visit any First Community Bank. 

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Current Mortgage Products
CONVENTIONAL LOANS – Primary, Second Homes and Investment Property
• 100% Financing available (no mortgage insurance) with qualifying credit - Primary or Second Homes only
• Various property types allowed including mobile homes on permanent foundation
JUMBO LOANS (Loan amounts exceeding $500,000.00) – Primary and Second Homes only
• Fixed and Adjustable Rate mortgages
• Competitive low rates
USDA LOANS (Rural Development) – Primary Homes only
• 100% financing available – No down payment required
• Low monthly mortgage insurance
• Competitive fixed rates
FHA LOANS – Primary Homes only
• Down payment can be a gift from an eligible source, such as a family member
• Flexible qualification guidelines
VA LOANS – Primary Homes only
• 100% financing
• No monthly mortgage insurance
• Flexible qualification guidelines
CONSTRUCTION LOANS – Primary and Second Homes
• Construction period up to 12 months
• One-time close option
VACANT LAND LOAN
Flexible terms available
MOBILE HOME LOANS – Not on Permanent Foundation
• Single or Double Wide
HELOC (Home Equity Line of Credit) and HEL (Home Equity Loan) – Primary and Second Homes
• Interest Only option dependent on credit profile
REVERSE MORTGAGE
• Available to 62 years and older
• Provides access to a portion of your home equity
• No repayment is required as long as at least one borrower remains in the home and maintains the property as their primary residence**

**Borrowers are responsible for certain ownership costs such as property taxes, insurance and general maintenance.

* Loan Programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans are subject to credit approval and property appraisal. Not a commitment to lend.
 
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