Loan Programs

At 1st Financial Mortgage, we offer a variety of mortgage programs with flexible terms to fit your family’s needs.

Conventional Mortgage

Purchase

  • Down-payment as low as 3%

  • Lender Paid or Borrower Paid Mortgage Insurance for loans above 80%

  • Lower rates for loans with 75% or lower loan to value

  • Choose Your Term: 8 – 30 Years

  • Get ahead of the competition with a Pre-Approval letter

Refinance

  • Cash-out up to 80% loan to value

  • Receive cash back for consolidation or home improvement

FHA, Purchase and Refinance

  • Purchase with 3.5% down payment

  • Refinance with cash-out up to 85% loan to value

VA, Purchase and Refinance

  • Purchase with 100% financing

  • Refinance with cash-out up to 90% loan to value

  • Limits on Closing Costs