Mortgage Lending

Whether building your dream home, buying your first house, or moving to a new community, your situation is unique. We’ll help you find the mortgage solution that is right for you.

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Local Lenders. Local Service. Local Decisions.

Your mortgage lender will take the time to understand your needs. We approve and service our mortgages locally, which means you’ll know the status of your application during the whole process.
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Our Mortgage Products

With easy, free pre-approvals and rapid closings, you’ll be in your new home faster than you thought possible.
Fixed Rate Mortgage
Adjustable-Rate Mortgage
Construction Loan
First Time Homebuyer Program

Have peace of mind with a Fixed Rate mortgage. With this mortgage, you’ll have the same rate and the same payment for the entire term of your loan. Our fixed-rate mortgages are serviced locally, so you’ll always know where to go with questions. These home loans are available in various terms.

With an adjustable-rate mortgage, you may enjoy lower initial monthly payments for a specific period, after which the rate may adjust up or down. This type of loan is attractive when you feel interest rates will decline and will allow you to save money when rates drop, without the additional cost of refinancing.
If you’re building a home, financing that vision can be overwhelming. We’ll make it easier and less stressful by working directly with you and your builder so that you can be confident in the end result.
We have attractive programs designed with first time buyers in mind. If this is your first mortgage, you’ll have lots of questions. This program features low down payments, more flexible income-qualifying ratios, and favorable loan terms, as well as the expert guidance to find the mortgage that is best for you.

Featured Service

Construction Loans

Big, small, or in between, if you have a vision for your new home, we have the financing to make it happen.

There’s no place like home – especially when you’re the builder.

With flexible loan amounts, easy loan disbursements, interest-only payments, and owner and self-build construction options, a construction loan from First Farmers takes you from blueprints to finishing touches.
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TermRateAPR*Points
30 Year Fixed7.3757.4760.000%
20 Year Fixed7.3757.5040.000%
15 Year Fixed7.1257.2820.000%
*APR equals Annual Percentage Rate. Rates are subject to change without notice.

Customer satisfaction is our #1 Priority – And it shows.

It was a pleasure working with Chelsey Johanning & Jessica Miles on our new mortgage. These ladies made this complicated process much easier. Their communication was outstanding!! We appreciate all the hard work! First Farmers has a customer for life.

Kim Z.

Chelsey Johanning is absolutely amazing! I recently bought my first home and she walked me through the loan process step by step. She was always available and more than happy to answer any and all of my questions, and I had a lot! She made the process so easy. I highly recommend her!

Beth D.

They did a great job of preparing our paperwork. They responded to our question very quickly. Helped us get our dream home.

Josh P.

I got my first house loan through FFBT. I don’t have a lot of experience with loans at other banks but seemed to go smoothly. They were there to answer all my questions and helped me do what I needed to do thanks FFBT.

Danny C.

We needed to refinance our house to pull out some extra money to build a master bedroom and bathroom. From the first application, we filled out to the signing of our paperwork to refinance...everything was perfect. Jennifer Crews was great to work with. I highly recommend. Go local.

Diana J.

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