Home Ownership Is
IF OWNING YOUR OWN HOME IS ONLY A DREAM, MAKE IT YOUR REALITY
Are you tired of renting? Have you struggled to purchase a home in the past? Owning a home is still the American Dream and FirstBank Mortgage gives you the confidence and tools you need to overcome any obstacles in your way. From low down payment options to down payment assistance and reduced fees, we can make homeownership your dream come true.
No Place Like Home
Buying a home can be a real possibility—even for those with less-than-perfect credit or without much money for a down payment. With our new EasyStart App it’s easy to get started in just a few minutes. Then your local FirstBank Mortgage loan officer will contact you to talk about your loan needs, current rates and to offer personal guidance for buying your new home.
Find A Loan Officer
Our local loan officers are a part of your community and will be with you all the way through closing! They are ready to give you as much time as you need towards buying your home to make the most informed decision based on your budget and lifestyle. Visit our directory of loan officers near you.
Ask Us Which HomeBuyer Programs Might Benefit You
FirstBank Borrower Benefit
As a part of our community reinvestment expansion, FirstBank Mortgage launched the FirstBank Borrower Benefit program in the Fall of 2019, which will provide $1 million in down payment assistance to qualified borrowers over the next two years. The program is intended for borrowers purchasing a single-family, primary residence in low- to moderate-income areas within FirstBank’s lending footprint in Alabama, Georgia and Tennessee. Funds are available for 5% of the loan amount, up to a maximum of $5,000, for the use of down payment and/or closing costs. Funds will have no interest rate and no associated monthly repayment terms.
State Home Buyer Assistance Programs
To encourage homeownership, we participate in a number of statewide assistance programs. If you can afford a mortgage and meet credit requirements, but need help with the down payment and/or closing costs, we can assist you. These programs vary by state and can include down payment funds secured by a second mortgage or no interest loan or even a grant. Most are designed for first-time home buyers or those who have not owned a home in the past three years.
Low To No Down Payments
If you’re saving up to buy your first home, you may be relieved to know that for most buyers, low to no down payment options are available. From The Veterans Administration and USDA programs to FHA loan programs with Fannie Mac or Freddie Mac conventional loans, you might be surprised at the various options. When you need a little extra help, trust us to help you find a solution.
Mortgage Tax Credits
The Mortgage Tax Credit Certificate (MCC) program reduces the amount of federal income tax homebuyers must pay, which in turn increases available income to quality for a mortgage. An MCC is a dollar-for-dollar tax credit of up to 50 percent of the mortgage interest paid per year, capped at $2,000 annually. Homebuyers can choose to receive immediate savings or choose to receive the credit once a year when filing federal income tax returns
Education for Homebuyers
FirstBank Mortgage strives to be a resource for making homeownership a reality. We often host first-time homebuyers events and other educational opportunities to help you achieve and sustain affordable homeownership. If you are interested in learning more about these educational opportunities, please use the contact form below to request information.
We Are Just a Phone Call Away
Call 1-800-200-6462 to get started with a Mortgage Payment Assessment and Credit Analysis. Para español llame al (706) 581-3953
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How Can We Help YOU?
We’re one of the Southeast’s leading residential lenders—here to guide you home. When you connect with us, you’ll be one step closer to owning a home. By providing in-house underwriting, closing, and funding, we uniquely manage the entire process under one roof. You can start an application or access our directory of local loan officers above or use this contact form below to reach us. A mortgage banker will be in touch soon to answer your questions about getting prequalified and discuss your home financing needs.
ONE OF THE HIGHEST RATINGS IN THE INDUSTRY
“ On point, knowledgeable and informative. Best in the biz. “
FirstBank Mortgage Loan Officers consistently rank five stars for service, accessibility and mortgage know-how as reviewed by our own customers.
Caring For Our Communities
FirstBank Mortgage strives to improve the quality of life for those who live in the communities we serve. We place an emphasis on education through our Next Generation Mortgage Scholarship Program, started exclusively to assist our mortgage customers with children in their homes to pay for higher education. For every 50 loans closed, our loan officers draw one scholarship recipient. FirstBank Mortgage awarded $1,000 scholarships to 73 families in 2019. In total, $73,000 was awarded to families across Alabama, Georgia and Tennessee.
Through a partnership with Operation HOPE, FirstBank established HOPE Inside at two FirstBank financial centers in Nashville and Memphis. HOPE Inside provides coaching on credit and money management, homeownership preparedness, and small-business development programs, all offered at no cost. FirstBank’s HOPE Inside programs help people establish a financial foundation for home ownership and establish good credit scores. To learn more or to schedule an appointment, contact:
HOPE Inside FirstBank-Nashville
1 Vantage Way
Nashville, TN 37228
Tiffany L. Roan, MPA
HOPE Financial Wellbeing Coach
HOPE Inside FirstBank-Memphis
6482 Poplar Ave.
Memphis, TN 38119
HOPE Financial Wellbeing Coach
FirstBank Mortgage, a division of FirstBank, has mortgage operations and financial centers throughout the Southeast. FirstBank is a publicly traded, 112+ year-old, FDIC-insured bank based in Nashville, Tennessee with $11.0 billion in total assets and the resources to provide a comprehensive variety of financial services and products. To learn more about FirstBank, please visit firstbankonline.com.