Fixed Rate Loans
These are the loans with which people are most familiar. They let you count on paying the same monthly amount over the life of the loan. Your First Home Mortgage Loan Officer can find you the lowest possible fixed interest rate, and can also explain the advantages of our loan terms – 10, 15, 20, 25, 30 and 40 years.

Adjustable Rate Mortgages (ARMs) 
ARM loans provide an initial fixed-rate period followed by an interest rate that will adjust periodically. They allow you to lock in a good rate, but are flexible in case rates go down, giving you the advantages of refinancing without the costs or paperwork. Your Loan Officer can discuss First Home ARM loans with you, including many short-term variable rate mortgages that adjust periodically based on current market conditions. 

Interest Only Loans
Many of our fixed rate and ARM programs allow for the payment of interest only for a specific time period, while still giving you the option of paying down the loan at any time without penalty. You should meet with your FHM Loan Officer to review the details.

Vacation Home Loans
Financing that perfect getaway? Whether it’s your second home or an investment rental, we have a number of loans to choose from, to make your vacation home possible, including up to 100% financing.

Investment/Rental Property Loans
This area requires special expertise from your mortgage company. Find out about all the options you have available for this important business investment.

VA (Veterans Affairs) Loans
These loans offer 100% financing without private mortgage insurance to American veterans or to their surviving spouses. As a VA “Automatic Lender,” First Home Mortgage has the privilege of helping serve eligible veterans with in-house processing, underwriting and closing of all VA loans as a first or second mortgage, or as a refinance package.

Construction Loans (and Construction-to-Permanent Loans)
These programs are designed for borrowers who want a loan that covers the construction of a primary residence or second home, and then upon completion, switches to a standard  permanent mortgage loan — or perhaps covers the construction only. First Home Mortgage has a wide range of fixed, ARM and rate-lock options for construction.

As you can see, First Home Mortgage provides a variety of loan products for every need and financial picture. The first step toward securing any First Home Mortgage loan product is contacting your First Home Mortgage Loan officer. You’ll be delighted at how easy and convenient they make the process, and you’ll definitely notice their partnership approach with you through every step.