First Community Bank
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Loan Information


First Community Bank is your First choice for mortgage needs. We offer diverse loan programs that are flexible enough to fit a variety of lifestyles and circumstances creating a superior value.

- Click here -If you are interested in our Bank-Owned Real Estate

Refinance - even if you are "under water"!

The recently revamped federal Home Affordable Refinance Program (HARP) is made available to Central Ohio homeowners through First Community Bank.

It’s a mortgage to qualified borrowers who find that the value of their home has declined to a point where they owe more than the home is worth.

LOAN NEWSFLASH - We've still got...
Great LOW Rates!

15 Year fixed 3.50% rate/3.62% apr

Low Mortgage Rates!

Why rent when you can buy with as little as 3.5% down?
Call or visit us about our FHA loan programs.

Now is the time to refinance with rates at 40 year low’s?
Call or visit us about our great refinance programs.

Personal Financial Statement

What You'll Need To Apply For a Loan

Glossary of Loan Terms

Click here to meet our experienced and professional loan staff.

Whatever your borrowing needs may be . . .

purchase or refinance your home, business or investment property
need cash for a special purchase, vacation or education
consolidate your outstanding debt
make some home improvements

Professional, courteous and knowledgeable loan officers and support staff will personally assist you when you need more. At First Community Bank, we make getting the money you need easier.

Money for when you need more.

Mortgage Loans

To purchase or refinance your house, business or investment property.
Some programs include: no pre-payment penalties, closing costs included in mortgage loan, no closing costs, flexible terms, low down payments & free pre-qualification.

Multi-Family and Commercial Loans

Flexible repayment terms, including fixed rate loans and lines of credit.

Installment Loans

Fixed monthly payments for special purchases, education or other needs.
One easy monthly payment to consolidate bills or lower interest costs on outstanding credit cards.
Special discounts on rates for customers.

Automobile Loans

For when you need a new set of wheels or find the perfect pre-owned car.

Equity Installment Loans

One time funding with fixed monthly payments
Interest may be tax-deductible, contact your tax advisor.

Construction and Residential Lot Loans

Lot loans as well as loans from land purchase to construction/permanent financing with only one closing, saving you time and money.
Owner or non-owner occupied
Fixed or variable interest rates

Credit Card

The convenience of a Mastercard credit card accepted world-wide.
No annual fee with $1,000.00 balance in any FCB Certificate of Deposit.

Certificate of Deposit Loans

An installment secured by your First Community Bank CD.

Overdraft Protection

Gives you the confidence of knowing that your checks will be paid.
Click here to go to our on-line Overdraft Protection Application.

Home Equity Lines Of Credit

Use funds as you need them
Easily accessible by a credit card or check.
Interest may even be tax-deductible, contact your tax advisor.

*All loans subject to approval. Rates and terms subject to change without notice. Annual percentage rate is based on a single-family home as a primary residence with a minimum loan amount of $165,000 and maximum loan of $417,000 based on a 45 day lock.  Loan to value not to exceed 80%. Other terms, rates, LTV’s and programs are available.