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Home Equity Line Of Credit Offer
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90% LTV Construction Financing
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Bank Anywhere,
Anytime With Our
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We understand that you don’t always have time to come in to one of our locations for friendly, personal service. Now you can bank anywhere, anytime using a:
  • Computer
  • Smart Phone
  • iPad or Tablet
Your Dreams Can
Come True With Our
First Time Homebuyer Loan!
Come In To Any Of Our Branches To Receive:
  • 100% Financing
  • NO Private Mortgage Insurances Required
  • Fixed and Adjustable Rates

Home Equity Offer
*Annual Percentage Rate (APR). Available for primary residence only. First Savings Bank primary checking account with direct deposit required. Total loan-to-value ratio may not exceed 80%. Minimum credit score of 750 or greater will benefit from no closing cost, the waiving of the first year’s annual fee, and a rate of prime -.25%. The Prime Rate may vary and is indexed to the Prime Rate as published in the Wall Street Journal. (As of April 15, 2015, the Prime Rate is 3.25%) Credit scores of 700 – 749 will benefit from no closing cost. Loan amounts greater than $50,000 will require property evaluation or appraisal at expense of customer. Closing cost may also apply if title insurance is required. Property insurance is required. Minimum monthly payments equal to 1% of unpaid balance or $50, whichever is greater. Paying only the minimum payment may not be sufficient to repay principal and interest and may result in a balloon payment. Consult your tax advisor regarding deductibility of interest. Subject to credit approval. Some restrictions may apply. Limited time offer.
90% LTV
Construction
Financing

LTV Construction Financing

From Framing
to Finishing
  • Primary residence
  • Up to 90% loan-to-value
  • No prepayment penalty
  • Local lending decisions
*Offer available for primary residence only. No self-builds or manufactured homes. Loan amounts may not exceed $417,000. First Savings Bank primary checking account with direct deposit required. Total loan-to-value ratio may not exceed 90% of project cost or appraised value, whichever is less. Credit score 680 or greater. Must prove cash reserves of at least 10% of total project cost plus three months of principal, interest, tax and insurance payments; in addition to the 10% down payment requirement. Two closings required, one for short-term construction loan and one for permanent financing. Standard closing costs will apply for both construction and permanent financing loans. Rate and term to be determined based on credit at time of permanent financing in accordance with our secondary market products. Private Mortgage Insurance (PMI) pre-qualification required prior to construction loan closing, PMI may also be required for permanent financing. Property insurance is required. All other fees apply. Subject to credit approval and underwriting policy. Other restrictions may apply. Limited time offer.