Home Loan Options

Our Real Estate experts can help you find the best home loan for your needs and budget.

Contact eBranch Schedule Branch Appointment

Home
Loans & Credit
Loans
Home Loans
Current page: Refi Mortgage Landing Page

Finance Your Dream Home with First Financial

At First Financial, we know your home is more than your biggest financial investment. It is the place where family gathers and memories are made. That is why we make buying a home as stress-free and affordable as possible, as your trusted financial partner for life.

First Financial Real Estate experts can help with:

Refinancing an existing mortgage
Refinancing an existing home equity product
Purchase of a new home

- SAMPLE ONLY -
No Points, No Fees Program
Fixed - Rate: CONFORMING (loans up to $548,250)
APR & Payment based on $400,000 loan

Term	Interest rates as low as	APR¹ as low as	Monthly Payment Principle and Interest Only
30-Year	7.625%	7.708%	$2,831.17

No points no fees—Enjoy Savings of over $1,700²
Very competitive rates—historically low rates so speak with a Real Estate expert for the daily rate.
Expert guidance throughout the entire process
And more!

First Mortgage: Refinance

Effective: 4/23/24

Loan Type: Refinance	Rate	APR³	Term	Monthly Principal & Interest Payments	Note
Fixed-Rate: Conforming (loans up to $766,500) APR & payment based on $400,000 loan	7.625%	7.708%	30 Year 10, 15, 20 year terms also available	$2,831.17	Rates subject to change daily. Request More Information
Fixed-Rate: High Balance (loans from $766,501 to $1,149,829) APR & payment based on $750,000 loan	7.500%	7.568%	30 Year 15 year term also available	$5,244.11	Rates subject to change daily. Request More Information
Fixed-Rate: Jumbo (loans up to $1,500,000) APR & payment based on $975,000 loan	7.500%	7.562%	30 Year 15 year term also available	$6,817.34	Rates subject to change daily. Request More Information
5/5 ARM (Adjustable Rate Mortgage) Loans up to $1,500,000 APR & Payment based on $400,000 loan	6.000%	6.529%	30 years	$2,398.20	Rates subject to change daily. Request More Information

All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. A minimum credit qualifying score is required. Payment examples do not include the cost of property taxes or insurance, so the actual payment obligation will be greater. Other terms and conditions subject to change without notice. Call for complete details.

Eligible properties are primary residence single-family homes and condominiums. Maximum Loan-to-Value limits apply, Private Mortgage Insurance (PMI) is required for Loan-to-Value above 80%.

APRs include an estimate of 30 days of prepaid interest, other loan related costs and/or discount points. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. For example, loans with LTVs in excess of 80% typically require mortgage insurance which will increase both your APR and monthly payment. All loans subject to approval.

^¹APR=Annual Percentage Rate.The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. Rates above reflect a 60% loan-to-value, a credit score of 740 or higher and a 0.25% relationship discount for automatic payments from a FFCU Checking Account. A minimum credit qualifying score is required. All loans subject to approval. Rates subject to change without notice. Call for complete details^.

2Waived settlement fees: appraisal; recording; flood certificate; credit report; loan documents; escrow and sub-escrow; title lender policy and tie-in; messenger; wire; tax service, notary; termite inspection. The maximum waived settlement costs will not exceed $10,000. Fees not waived: pre-paid costs such as interest; taxes; mortgage insurance premiums; HOA (Home Owners Association) dues; hazard or flood insurance; owner’s title insurance; transfer taxes; impound accounts, and outside third-party fees, such as HOA certification/questionnaire and subordination fees.

You may also benefit from these great products:

Real Estate Loans

Find out how your checking account can save you more on your home loan!

Learn More