Mortgages

The Firstrust
Difference

Mortgage Calculators

At Firstrust:

  • Mortgages are processed locally
  • Our mortgage loan officers sit within arms-length of our application processors
  • Your questions get answered quicker

30

yr

Fixed*

3.625%

3.624% APR

-0.375 pts

30-Year Fixed-Rate Mortgage*

A $200,000 30-year Fixed-Rate Loan at 3.625% interest and 75% loan-to-value ratio would consist of 360 payments of $912.10. -0.375 points due at closing. The Annual Percentage Rate (APR) is 3.624%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

*Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 720 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 75%. Rate locks do not exceed 45 days. Rates are subject to change at any time.

15

yr

Fixed*

2.750%

2.750% APR

0 pts

15-Year Fixed-Rate Mortgage*

A $200,000 15-year Fixed-Rate Loan at 2.750%  interest and 75% loan-to-value ratio would consist of 180 payments of $1,357.24. 0 points due at closing. The Annual Percentage Rate (APR) is 2.750%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

*Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 720 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 75%. Rate locks do not exceed 45 days. Rates are subject to change at any time.

7

yr

ARM*

3.000%

3.239% APR

0.125 pts

7/1 Adjustable-Rate Mortgage*

The initial payment on a 30-year $200,000 7-year Adjustable-Rate Loan at 3.000% interest and 75% loan-to-value ratio would consist of 84 payments of $843.21 with 0.125 points due at closing. The Annual Percentage Rate (APR) is 3.239%. After the first 7 years the rate can increase once every year for the remainder of the loan. Any increase in the rate will increase the amount of the payments. Based on today's interest rate, there would be 276 principal and interest payments of $940.79. The APR based on today's interest rate is 3.677%. These payment amounts do not include taxes and insurance premiums. The actual payment amounts will be greater.

*Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 720 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 75%. Rate locks do not exceed 45 days. Rates are subject to change at any time.

5

yr

ARM*

2.625%

3.168% APR

0.125 pts

5/1 Adjustable-Rate Mortgage*

The initial payment on a 30-year $200,000 5-year Adjustable-Rate Loan at 2.625% interest and 75% loan-to-value ratio would consist of 60 payments of $803.3 with 0.125 points due at closing. The Annual Percentage Rate (APR) is 3.168%. After the first 5 years the rate can increase once every year for the remainder of the loan. Any increase in the rate will increase the amount of the payments. Based on today's interest rate, there would be 300 principal and interest payments of $905.29. The APR based on today's interest rate is 3.412%. These payment amounts do not include taxes and insurance premiums. The actual payment amounts will be greater.

*Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 720 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 75%. Rate locks do not exceed 45 days. Rates are subject to change at any time.

Mortgage rates are currently unavailable online.

Please try to reload this page or call us at 800-220-2265 to find out about current rates on fixed and variable rate mortgages.

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Purchasing a
New Home

Mortgage Calculators

A mortgage specialist will work with you to find the loan that is best for you. We offer:

  • Fixed and variable rate loan options
  • State Bond programs
  • FHA and VA mortgages
  • Jumbo loans

Refinancing
Your Home

Mortgage Calculators

Firstrust can help you:

  • Shorten the term of your mortgage
  • Lower your monthly payment
  • Close with little out-of-pocket costs

Building
A New Home

Mortgage Calculators

Our Construction to Perm Loans can help you:

  • Finance construction and convert to a permanent loan once building is complete
  • Lock in a rate while your home is being built
  • Save money by paying only one set of loan fees

Purchasing
First Home

Mortgage Calculators

Find the best mortgage for your unique situation with the help of one of our dedicated mortgage specialists:

  • Get a Free prequalification & program review
  • Understand mortgage types
  • Learn about specialized programs like FHA and VA mortgages and State bond programs

New Home
Purchase?

Whether you are purchasing your first home, your dream home or are an empty nester we can help find the right loan option for you.


We can help you understand:

  • Fixed & variable rate mortgages
  • State bond programs
  • FHA & VA mortgages
  • Jumbo & Swing loans
Learn More

Refinancing
A Home?

Take advantage of low mortgage rates.


We can help you:

  • Shorten the term of your mortgage
  • Lower your monthly payment
  • Close with little out-of-pocket costs
Learn More

Building
A Home?

Our Construction to Perm Loans can help you build your dream home in the easiest way possible.


We can help you:

  • Finance the construction
  • Convert to permanent loan once complete
  • Lock in a rate while being built
  • Save money by paying fees only once
Learn More

First Time
Home Buyer?

At Firstrust, we understand the anxiety as well as the excitement that comes with buying your first home.


We can help you:

  • Get a free prequalification & program review
  • Understand first time home buyer mortgage programs like FHA, VA and State bond programs
Learn More

Fixed
Rate Loans

15

yr

Fixed*

2.750%
interest

2.750%
APR

0
points

See a Payment Example

30

yr

Fixed*

3.625%
interest

3.624%
APR

-0.375
points

See a Payment Example

Get Started

Adjustable
Rate Loans

5

yr

ARM*

2.625%
interest

3.168%
APR

0.125
points

See a Payment Example

7

yr

ARM*

3.000%
interest

3.239%
APR

0.125
points

See a Payment Example

Get Started

FHA & VA
Mortgages

FHA loans are federal insured loans with benefits like:

  • As little as 3.5% down payment on your first time home purchase
  • Less stringent qualification and credit requirements

VA loans are loans given to veterans, members of the military, or a surviving spouse of a veteran. VA loans offer:

  • Fast approval
  • Little to no downpayment
  • Low interest rates.
Get Started

Jumbo
Loan

A jumbo loan may be your best option if you are looking for a larger home and need to finance between $417,000 - $1,500,000 and have 20% to put down. Jumbo loans offer:

  • Low rates
  • The choice between fixed or adjustable rates

Contact us to find out if this is your best option.

Get Started

Condo
Mortgages

Looking to buy a condo? The rules for condos can be different than those for typical housing that do not have homeowners associations. We have the expertise to guide you through this process with:

  • Fannie Mae standard loans
  • Special programs for condos that do not meet Fannie Mae requirements

Contact us to learn more.

Get Started

PHFA
Loans

PHFA loans are offered under a state program that seeks to provide mortgages to first time homebuyers in the state of Pennsylvania. The program has:

  • Specific income and purchase limits
  • No mortgage insurance options
  • Competitive interest rates and fewer fees
  • Possible down payment and closing cost assistance

Contact us to find out if you could qualify.

Get Started

Tandem
Loans

A Tandem Loan is a unique program where two loans are taken out on one home. The secondary loan is usually added to the primary loan. This program affords the option of 90% financing without mortgage insurance.

Contact us to find out more about this program.

Get Started

Construction
to Perm

Looking to build your next home? Our construction to perm loan program can help you finance the construction and convert to a permanent loan once the building is complete. We can help you:

  • Lock in a rate while your home is being built
  • Pay only one set of fees
  • Understand the process step by step

Contact us to learn more.

Get Started

Disclosures

*Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 720 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 75%. Rate locks do not exceed 45 days. Rates are subject to change at any time.

Mortgage loans are offered by Firstrust Bank NMLS # 424205. All loans are subject to individual credit approval. Pre-qualification is not a commitment to lend.

For fixed rate mortgages the monthly payments are estimates for $200,000 loan based on the interest rate, 75% loan-to-value ratio, and points due at closing. Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater.

For adjustable rate mortgages the monthly payments are estimates for $200,000 loan based on the interest rate, 75% loan-to-value ratio, and points due at closing for the initial term of the loan. Monthly payment does not include taxes and insurance premiums. After the initial term is complete the rate and payment amount can increase.

We're here to help!

Fill out the form below and one of our mortgage specialists will personally give you a call to help you find the mortgage solution that is right for you.

Request a personal call back
By clicking 'Submit' you inderstand that this is not an application for credit. It is an inquiry for Firstrust products and services.
 

or Call 800-220-BANK
Mon-Fri: 8am-6pm - Sat: 9am-1pm

Unlock the Equity in
Your Home Today

3.49 % APR

for

5

Fixed

Year Loan

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