Mortgages

Whether you’re purchasing, constructing, or refinancing your home, we're here to guide you every step of the way. Our experts will help you explore a variety of options, including fixed-rate, adjustable-rate, lot loans, and more, to find the perfect fit for you.

Meet our Relationship Managers

Our knowledgeable and friendly Relationship Managers are here to assist you throughout the mortgage process. Get personalized guidance tailored to your needs.

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Apply Online with Ease

Our streamlined online mortgage application makes the process straightforward and convenient. Apply now and take the first step toward your dream home.

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Get a Quick Quote Today!

Discover how much you can afford and what your payments will be in a personalized quote.

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Pre-Qualification or Pre-Approval

Understand your homebuying options and determine which approach suits you best.

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Featured Rates

Finance a New home

Owning a home is a cornerstone of the American Dream, and we're committed to helping you achieve it. We offer top-tier mortgage options for new and experienced homebuyers, ensuring a smooth and supportive experience.

Refinance Your Home

Refinancing can offer multiple benefits, such as lowering your interest rate, shortening your loan term, or converting an adjustable-rate mortgage to a fixed rate. Consult with your Bank First Relationship Manager to determine if refinancing is right for you.

Construction Loans

Are you building your dream home? Our short-term construction loans cover the costs from start to finish. Upon completion, seamlessly convert to a permanent mortgage solution.

Federal VA Loans

We're honored to support active duty service members, Veterans, and eligible surviving spouses with VA loans. These loans often require little to no down payment and offer competitive interest rates, making homeownership more accessible.

USDA-Rural Development Loans

USDA loans are an excellent no down payment option for those in rural areas. Check with your Bank First Relationship Manager to see if you qualify based on location and income.

Home Equity Line of Credit (HELOC)

Tap into your home’s equity with a HELOC. Use these funds for home improvements, education expenses, debt consolidation, and more, with the flexibility to borrow as needed.