The most important part of house hunting is finding a house that feels like home. The second most important thing is getting a good home loan. Once you've done the first, let us help you with the second.

BankFirst offers a variety of home mortgage options, so you can get the most house for your money. We understand the mortgage process can be overwhelming. Our local mortgage experts are happy to help you find your way home — at a rate that fits your budget.

  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • Several financing options available
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free prequalification for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local decision-making and processing
  • Attentive, friendly service from start to finish
Financing Options

Conventional Loan

This loan is used primarily for customers applying for loans with at least 5% down payment and approved credit. The maximum conventional loan amount is $453,100. Mortgage insurance is required for most loans over 80% Loan to Value (LTV).

Federal Housing Administration (FHA) Loan

This loan is used primarily for the customer that has limited down payment and/or their credit scores are not adequate for conventional financing. The borrower must be able to provide at least 3.5% down payment on the loan.

VA Loan

This loan is used primarily for the customer that has enough eligibility for a loan from the U.S. Department of Veterans Affairs. There is no down payment requirement, has more understanding underwriting guidelines, and has no mortgage insurance included in the payment.

Rural Development Loan

This loan is used primarily for the customer that is purchasing a home in an area designated by USDA (United States Department of Agriculture). There is no down payment requirement and part of the closing costs may be financed. There is a cap on the combined family income to qualify. This is an excellent loan for the customer that has these needs and the property is in the appropriate area. Our Mortgage Lender can quickly determine if the property meets location guidelines.

Helpful Info

The mortgage process can be overwhelming to the first time homebuyer. For answers to common questions about home mortgages, please view our FAQ page.

We appreciate the opportunity to serve you and invite you to ask us all the questions you have.