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Mortgages

Personalized home loans that fit your needs.

Whether you're buying, building, refinancing, or utilizing the equity in your home, our mortgage team provides the tailored service you deserve while helping achieve your goals. 
  • Conventional Mortgage: Offers a fixed or adjustable-rate mortgage with flexible terms and as little as 3% down. A conventional mortgage can be used for primary residence, secondary homes, and investment properties.
  • VA Loan: Offers 0% down, lower interest rates and no Private Mortgage Insurance (PMI). The VA loan is an option for eligible active-duty service members, veterans, and surviving spouses.
  • Federal Housing Administration (FHA) Loan: Offers a minimum 3.5% down payment, lower rates, and less strict credit requirements, the FHA loan is a great option for first-time homebuyers to consider.
  • USDA Loans: Offering 0% down, the USDA loan is designed for low-to-moderate income borrowers in designated rural and suburban areas.
  • Jumbo Mortgage: Designed for larger transactions above the conventional loan limit with flexible terms.
  • Portfolio Loan: Designed for non-standard properties including condohotels, leased land, and stock certificates. Portfolio loans also include construction financing and vacant land loans.

 
  • Rate and Term Refinance: With flexible terms and competitive rates, a Rate and Term refinance could lower your current rate and/or payment potentially saving you money.  
  • Cash Out Refinance: Designed for larger projects or debt consolidation, a Cash Out Refinance is an option offering flexible terms and can be used for primary, secondary and investment properties.
  • Sometimes it makes more sense to look at a Home Equity Loan as a second mortgage versus refinancing your current mortgage.
  • Construction Financing: Offered for primary or secondary residences, the Construction loan is designed for ground up construction that can also include land/lot purchase. 
  • Vacant Land Loan: Can be used to purchase raw or improved land for future construction or personal use. 
  • Renovation Loan: If you're looking to purchase a home that needs work, a Renovation Loan can be used to purchase the property and provide fuds for repairs, upgrades, and renovations.
  • Fixed Rate: Offering fixed rates and flexible terms, the Fixed Rate Home Equity Loan is an option for borrowers planning larger projects or consolidating debt without impacting their current mortgage. 
  • Line of Credit: Offered on primary and secondary residences, the Home Equity Line of Credit is an option to utilize the equity in your home for larger projects or personal use and pay only on the amount borrowed.





Contact a First Community Bank Mortgage Lender today!

Brandon S. Leestma - 231-526-2114 - NMLS ID 1667964
Katie VanRiper - 231-526-2114 - NMLS ID 2436335