DREAMING OF OWNING YOUR OWN HOME?
Let First Community Bank help turn your dreams into reality! We believe that buying your home should be Easy and Exciting.  We are determined to make the Application, Closing, and Payment processes easy for you. 

Easy Closing - We promise to assist to help take the confusion out of closing  and give you the right answers with prompt service.  Closing costs for specific services could be required and closing conditions may need to be met when you close a loan.  Please ask your loan officer if you have any questions about a closing condition or cost.

Types of Mortgage Loans:

FCBC offers many different types of mortgage products to help you qualify for the best possible loan.

Fixed Rate Mortgage - have interest rates that remain fixed for the life of the loan.  Generally, you can have a fixed rate of 10, 15, 20, 25, or 30 years.

ARMs (Adjustable Rate Mortgages) - allow the advantage of being able to get a loan with a lower initial rate that will stay fixed for either 1, 3, or 5 years with a 30 year amortization.  Some ARMs will even allow you to lock-in to a fixed rate during the life of the loan.

FHA Loans - are insured by the Federal Housing Authority under their guidelines.

VA Loans - are insured by the Veteran’s Administration and are offered to our patriotic service men and women who have been honorably discharged and meet the minimum requirements.

Rural Housing Loans - are offered by the Rural Housing Service of the U.S.D.A. for low-and moderate-income rural residents.

Construction Permanent - allows you to turn your existing bank construction loan into a mortgage upon completion.

Jumbo Loans - are large non-conforming loans that exceed the limitations set by Fannie Mae.

Refinancing - whether conventional, streamline, or government, we can possibly refinance (replace) your existing loan with a new loan at a lower rate or shorter term.

Contact our Mortgage Department at 479-632-3330.