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DESIGNED TO FIT ALL BUYERS

Home Loan Mortgages

Looking for your first mortgage, moving to your forever home, or ready to refinance your existing mortgage? We have options available to you. Our mortgage specialists can help you choose the right mortgage for your specific needs. To contact a mortgage specialist today call 833-962-HOME.

CURRENT RATES

MORTGAGE RATES

Type
Type
CD term
Account
30-Year Fixed
Rate
Rate
Interest Rate
APY

7.000%*

(zero points)
Amount
Amount
Minimum to open
APR
7.118% APR†
Type
Type
CD term
Account
15-Year Fixed
Rate
Rate
Interest Rate
APY

6.625%*

(zero points)
Amount
Amount
Minimum to open
APR
6.811% APR†
Type
Type
CD term
Account
30-Year FHA Fixed
Rate
Rate
Interest Rate
APY

6.750%*

(zero points)
Amount
Amount
Minimum to open
APR
7.629% APR†
Already started an application? Resume now

These rates are current as of 10:40 AM ET on June 24, 2024.

These rates are current as of 11:15 AM ET on December 14, 2023
*Not everyone that applies will qualify for the rates shown
View Disclosures

OPTIONS FOR ALL HOME BUYERS

Mortgage LOAN TYPES

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Fixed-rate Mortgage

Fixed-rate mortgages allow buyers to lock in a set interest rate for the entire loan.

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Bridge Loans

Bridge loans allow homebuyers the flexibility to buy a new home before selling their current one.

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Government Loans

As a first-time homebuyer or veteran, you might be eligible for an FHA or VA mortgage.

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First-Time Homebuyer

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

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Refinancing a Home

Take advantage of low mortgage rates to shorten your term or lower your monthly payment.

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Buydown Option

Create more affordability in your mortgage payment with our buydown program.

What is a Home Loan Mortgage?

Most buyers afford their home with the help of a mortgage, which is a home loan that you pay back over a number of years. Your mortgage payment typically includes principal, interest, taxes, and insurance.

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How Do Interest Rates Impact My Mortgage?

Even a small difference in the interest rate could mean you pay thousands (even tens of thousands!) more or less in interest over the life of the loan. Use our calculator to see how half a percent could affect what you owe on a 30-year, fixed-rate mortgage.

What is Debt-to-Income Ratio?

Your debt-to-income ratio, or DTI, equals your monthly debt payments divided by your gross income (pre-tax monthly income), and is expressed as a percentage. Lenders use this number to determine your ability to afford your debt payments.

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Calculator.png

Mortgage Calculators

MONTHLY PAYMENT

Calculate your monthly payment, including principal, interest, insurance and taxes

RENT VS. BUY

Compare the cost of buying and renting over the coming years

HOME REFINANCE

Figure out how much you can reduce payments if you refinance your mortgage

WE ARE HERE TO HELP

Contact a Mortgage Specialist

Please do not share personal or confidential information over email

DISCLOSURES:

*Not everyone that applies will qualify for the rates shown. Rates shown 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 60 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. Offer may not be combined with any other offer and may be revised or rescinded at any time without notice.

Firstrust National Licensing Service (NMLS Representatives)

Based on a $200,000 30-year fixed-rate mortgage with a Note Rate of 7.000% for a 7.118% APR, there would be 360 monthly payments of $1,330.60. The payment amounts are principal and interest payments only. They do not include amounts for insurance and taxes.

Based on a $200,000 15-year fixed-rate mortgage with a Note Rate of 6.625% for a 6.811% APR, there would be 180 monthly payments of $1,755.99. The payment amounts are principal and interest payments only. They do not include amounts for insurance and taxes.

A Federal Housing Administration (FHA) loan is a government-backed home loan with more flexible down payment and credit requirements than other conventional loans. FHA loans may have a higher interest rate and borrowers will have to pay an upfront mortgage insurance fee and monthly mortgage insurance premiums.

Based on a $200,000 30-year fixed-rate mortgage with a Note Rate of 6.750% for a 7.629% APR, there would be 360 monthly payments of $1,460.88. The payment amounts are principal and interest payments only. They do not include amounts for insurance and taxes.

Rates shown are based on an applicant FICO score of 680 for an owner-occupied, 3.5% down payment, a total loan amount of $203,500 which includes a financed upfront mortgage insurance fee of $3500, and a monthly mortgage insurance premium of $140.38. Rate locks do not exceed 60 days. Rates are subject to change at any time.

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