Mortgages Offered

We offer competitive rates with flexible terms, to fit your needs.*

Conventional, Jumbo, FHA, VA, USDA, and many loan program possibilities depending on multiple factors.

No matter where your dream home is located First Community Bank can help make it a reality with one of our many in-house & secondary market mortgage options.^ To get started, call or email a First Community Bank mortgage lender directly, or visit any First Community Bank.

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

  • Flexible terms available

HELOC (Home Equity Line of Credit) and HEL (Home Equity Loan) – Primary Homes
  • Interest Only option dependent on credit profile
* Loan Programs may change at any time with or without notice. Information deemed reliable but not guaranteed. Consult one of our mortgage professionals for program specific details, requirements, and limitations. All loans are subject to credit approval and property appraisal. Not a commitment to lend.

^ Homes located outside of First Community Bank's market area may not be eligible for in-house financing. 

NMLS: 423539; NMLS Mortgage Lender Directory | Mortgage Qualifier Calculator