First Financial Bank - Home Mortgage

First Financial Bank

2201 W. South Loop
Stephenville, TX 76401

Phone: 254-965-5036 or 817-573-6900
24 Hour Info Line: 254-965-5110 or 800-588-4964

Your new home may be your biggest purchase ever and the best time to work with neighbors you can trust.

Once your search is over and you're ready for the loan, you have a variety of choices on financing -- including FHA or Conventional financing, with fixed rate or variable rate options. We'll explore these options with you. You can also contact one of our mortgage professionals at 254-965-5110.
Adjustable Rate Home Loans

The ultimate in flexibility! 15, 20 and 30-year loans!

* Available on refinances and purchases
* Interest rate can only change once a year
* Obtain approval quickly

Conventional Home Loans

10, 15, 20 and 30-year loans!

* Available on refinance
* Can close more quickly than government loans
* Obtain approval quickly

Residential Construction Loans for Individuals

Build a home exactly to your liking!

* Build a home exactly to your liking!
* Loan amounts limited to amount of permanent financing
* Loan proceeds funded in stages corresponding to percentage of work in place/completed
* Construction progress monitored through monthly site inspections
* Total development cost determined up front and covered by loan or borrower's equity to insure sufficient funds to complete the project
* With loan in individual's name, borrower has more control of the project, including the cost of construction and reduced interest expense

Low to Moderate Income Home Loans

For low and moderate income families!

* For families with annual household income of $35,000 or less
* Maximum home price of $68,500
* Home purchase only
* Mortgage insurance is not required
* Up to 95% of purchase or appraised value, whichever is lower
* 15-year maximum (based on loan size and ability to pay)
* Conventional loans only
* No minimum loan amount
* No escrow required
* Required at closing:
o recording fees
o attorney fees
o title insurance fees
o tax certificates
o survey fees
o proof of hazard insurance
o flood certificate
o processing fee
* Fixed or variable rates available

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