Sunday, April 20, 2014
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Personal Banking
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Mortgage

Once your search is over and you're ready for the loan, you have a variety of choices on financing -- including FHA or Conventional financing, with fixed rate or variable rate options. We'll explore these options with you. You can also contact one of our mortage professionals at 817-410-2915.

Adjustable Rate Home Loans

The ultimate in flexibility! 15, 20 and 30-year loans!

  • Minimum down payment of 5% for purchase of a home.
  • 2% annual rate cap.
  • 6% lifetime cap.
  • Available on refinances.
  • Interest rate can only change once a year.
  • Obtain approval quickly.

Conventional Home Loans

10, 15, 20 and 30-year loans!

  • Minimum down payment of 5% of purchase price.
  • Available on refinance.
  • Can close more quickly than government loans.
  • Obtain approval quickly.

Residential Construction Loans for Individuals

Build a home exactly to your liking!

  • Build a home exactly to your liking!
  • Loan amounts limited to amount of permanent financing.
  • Loan proceeds funded in stages corresponding to percentage of work in place/completed.
  • Construction progress monitored through monthly site inspections.
  • Total development cost determined up front and covered by loan or borrower's equity to insure sufficient funds to complete the project.
  • With loan in individual's name, borrower has more control of the project, including the cost of construction and reduced interest expense.

Low to Moderate Income Home Loans

For low and moderate income families!

  • For families with monthly household income of $1,926 or less.
  • Maximum home price of $55,000.
  • Home purchase or home improvement.
  • Mortgage insurance is not required.
  • Up to 95% of purchase or appraised value, whichever is lower.
  • 20-year maximum (based on loan size and ability to pay).
  • Conventional loans only.
  • No minimum loan amount.
  • No escrow required.
  • Required at closing:
    • recording fees
    • attorney fees
    • title insurance fees
    • tax certificates
    • survey fees
    • proof of hazard insurance
    • flood certificate
    • processing fee

View a list of First Financial Bank's Registered Mortgage Loan Orginators!

First Financial Bank  | Member FDIC. Equal Housing Lender. © 2014 - First Financial Bankshares, All Rights Reserved

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