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First Bank offers a complete array of loan programs to meet your needs. We work with the leading lenders in the mortgage industry to provide our customers with the best loan programs to fit their needs. Among our many loans programs are:

Our brand new 80/15/5 Program--
Avoid mortgage insurance and the requirement to escrow by doing an 80% first mortgage and a 15% second mortgage. The 5% down payment comes from you, but unlike all conventional 95% loans, this 5% can be a gift!

97% and 100% Financing Loans--
Ideal for first time buyers, these low down payment or no down payment mortgages can help reduce or eliminate nearly every cost associated with obtaining a home loan. These programs generally require an above average credit history.

Conforming Loans--
Conforming long term, fixed rate, and adjustable loans that meet Fannie Mae and Freddie Mac loan limites and property and borrower guidelines.

Imperfect Credit Loans--
Allows borrowers with less than perfect credit to qualify for competitive interest rates to purchase a primary residence, consolidate debt and lower payments, or make home improvements.

No Income Verification Loans--
Ideal for the self-employed borrower with good credit, loans where borrowers agree to a lower loan to value loan in exchange for reduced documentation requirments (no tax returns).

Construction to Permanent--
We are one of the leading construction lenders in North Georgia. Lower your costs by qualifying for your final mortgage commitment before you begin building. We walk you through the process, step by step, from clearing to closing.

Investment Loans--
New lending guidelines loosen the restrictions on the borrower who owns, or plans to purchase, investment properties.
 



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $322,700 with closing costs of $6,454. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $450,000 with closing costs of $9,000. Your actual APR may be different depending upon these factors.