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From first-time to experienced buyers, we have low- and no-down payment options perfect for your needs. Our process is fast and easy, so you can spend less time getting a mortgage and more time making your house a home.

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Conventional Fixed-Rate Loans

Product
Rate
APR*
Est. Monthly Payment
30 Year Mortgage
 APR*
20 Year
 APR*
15 Year
 APR*

30 Year Mortgage

20 Year

15 Year

These payments are based on a $210,000 loan on a $350,000 property in Hamilton county, OH. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The values shown assume the loan is for the purchase of a single family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher.

Conventional Adjustable-Rate Loans

Product
Rate
APR*
Est. Monthly Payment
3/6 - Month ARM
 APR*
5/6 - Month ARM
 APR*
7/6 - Month ARM
 APR*

3/6 - Month ARM

5/6 - Month ARM

7/6 - Month ARM

These payments are based on a $293,332 loan on a $488,887 property in Hamilton county, OH. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The values shown assume the loan is for the purchase of a single family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher.

Government Loans

VA Loans

Product
Rate
APR*
Est. Monthly Payment
VA
Details & Disclosure
 APR*

VA

These payments are based on a total loan amount of $215,000 on a $358,334 property in Hamilton County, OH. The total monthly payments are based on a 360 month term and includes the required monthly portion of principal and interest, and annual mortgage insurance premium. Your actual payment will also include amounts for real estate taxes and homeowner's insurance premiums. Connect with a loan officer for more information. The values shown assume the loan is for the purchase of a single family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher.

FHA Loans

Product
Rate
APR*
Est. Monthly Payment
FHA
Details & Disclosure
 APR*

FHA

These payments are based on a total loan amount of $167,000 on a $290,000 property in Hamilton County, OH. The total loan amount includes a base loan of $167,000 and the required upfront mortgage insurance premium. The total monthly payments are based on a 360 month term and includes the required monthly portion of principal and interest, and the annual mortgage insurance premium. Your actual payment will also include amounts for real estate taxes and homeowner's insurance premiums. Connect with a loan officer for more information. The values shown assume the loan is for the purchase of a single family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher.

USDA Loan

Product
Rate
APR*
Est. Monthly Payment
USDA
Details & Disclosure
 APR*

USDA

These payments are based on a total loan amount of $135,000 on a $230,000 property in Hamilton County, OH. The total loan amount includes a base loan of $135,000 and the required guarantee fee. The total monthly payments are based on a 360 month term and includes the required monthly portion of principal and interest, and the annual mortgage insurance premium. Your actual payment will also include amounts for real estate taxes and homeowner's insurance premiums. Connect with your local mortgage loan officer for more information. The values shown assume the loan is for the purchase of a single family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher.

*APR = Annual Percentage Rate. These featured interest rates assume a single-family home purchase in Cincinnati, OH, and a borrower with a credit score of 740 or greater. The Fixed Rate Mortgage rates displayed includes a loan rate discount with automatic payments from an eligible First Financial Bank checking account. Loan rate discounts may vary based on the associated personal First Financial Bank checking account type, may not be combined with certain other discounts or promotions, may not be available for all loan products, and cannot be applied after loan closing. To be eligible to receive a loan rate discount, prior to closing of your mortgage loan, you must complete an Automatic Funds Transfer (AFT) Agreement to have your recurring payment automatically deducted from a personal First Financial Bank checking account (excluding Health Savings and Money Market Savings accounts). The loan rate discount will be reflected in the interest rate on the Promissory Note. Funds used to establish relationship discounts cannot be applied to closing costs or funds required to close.

Your actual rate may vary based on credit score. Rates are subject to change without notice. For more information on loan benefits, please view our checking account options.

All loans are subject to credit review and approval and rates are subject to change without notice.

Need assistance paying your loan? Please email CCDEarlyIntervention@bankatfirst.com for help or call 800.556.2014.

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