Mortgages & Refinance

A Better Way Home

We offer many different types of loans for new homeowners and those wanting to refinance.

Fixed Rate Mortgages

Fixed Rate Mortgages offer a fixed interest rate for the life of the loan. This protects you against rising interest payments. Enjoy predictable and manageable payments.

Veterans Administration Home Loan

VA loans are for veterans of the armed forces, active-duty personnel, reservists and their spouses. VA loans are insured by the federal government and offer some of the easiest qualifying requirements of any home loan. VA offers flexible qualifying guidelines, 100% financing for qualified borrowers and payment stability with a fixed interest rate.

Rural Development Loans

Guaranteed by the USDA this loan can help you get into a home with no down payment and you can even borrow the closing costs. R.D. loans are subject to income guidelines and population restrictions.

Construction Financing Loans

BankFirst offers construction loans that will get you from blueprint to reality. Concentrate on building your dream home and let BankFirst guide you through the construction financing and into permanent financing.

Bridge Loans

If you are waiting to close on your new home because your current home has not sold yet, you may need a bridge loan. BankFirst offers you competitive rates.

Balloon Loans

Fixed rate payments for a set term of the loan. The balance remaining at the end of the specified term (the balloon) is then due. Renegotiate your current mortgage at the end of the balloon.

Refinancing Loans

Are you finding it necessary to reduce a monthly mortgage payment? Consider refinancing your loan into a payment schedule more suitable to fit your individual needs.

Items You’ll Need To Apply

  • Current Pay Stubs
    For 2 months for all wage earners in household.
  • Most Recent Bank Statements
    For checking,savings, CD’s for 2 months.
  • Federal Tax Returns & W2’s
    Last 2 years worth.
  • Investment and/or Retirement Statement
    Bring most current versions.
  • Documents
    Bankruptcy, divorce, child support, VA documents (if applicable), copy of divers license(s).
  • IF Refinancing Loan
    • Copy of homeowner insurance policy
    • Copy of most recent mortgage statement
  • IF New Construction Loan
    • Copy of the estimates for the costs of construction on the home
    • Name and address of contractor
    • Blue prints of home
    • Legal description of the property the home will be built on