Mortgage Rates
30-Year Fixed Mortgage Rates as Low as 6.125% (6.21% APR)
Flexible options available, including low or no down payment for qualified borrowers.
Example Scenario for Advertised Rate: 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.
Available Rates: Standard rate: 7.125% (7.22% APR) | Discounted rate with eligible automatic payment: 6.125% (6.21% APR). The advertised rate reflects the example scenario above. Loans with lower down payment or no down payment may have a different rates and terms.
Rates effective as of May 5, 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.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:
- Traditional down payments
- Low down payment options
- No down payment programs
Rates and terms will vary based on down payment, credit profile, and other factors. No down payment programs are available for qualified borrowers and may have different pricing or requirements.
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.
Not the Right Fit? We’ve Got Options.
Every borrower’s situation is unique. If this product doesn’t match your goals, we offer a full range of mortgage solutions:
- Adjustable-rate mortgages (ARMs)
- First-time homebuyer programs
- Jumbo loans
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Save More with Relationship Banking
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
Eligibility requirements apply. Discount available on select loan products and requires automatic payment from a First Community Bank checking account.
See How a Lower Rate Impacts Your Loan
Example Scenario:
- Loan Amount: $250,000
- Down Payment: $0
- Loan Term: 30-year fixed-rate mortgage (360 monthly payments)
Payment 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 6.125% (6.22% 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.
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.
All loans are subject to credit approval and underwriting guidelines. Terms and conditions apply.
First Community Bank NMLS #423539. Equal Housing Lender.