Mortgage Loans

Choose the mortgage that makes life easiest for you. Your needs. Your budget. We've got a mortgage to fit. Each plan is flexible and affordable. And best of all, they are easy. So call today to find a mortgage that's right for you.

Easy Pre-Approval:
Gives you the confidence of a cash buyer. Our pre-approved service eliminates the waiting and worrying when applying for a home mortgage after you've found your dream house. And we'll even put your pre-approval in writing as an extra commitment to you.

Fast and Easy Mortgage Process:
Get fast answers to your mortgage questions. Our loan officers work with you to make the approval process quick and smooth.

Adjustable Rate Mortgages:
Lower initial rates, maximum borrowing power. These rates are usually lower than those available on fixed rate mortgages. And that makes it easier to qualify for loans and buy more home for your money. Interest rate is subject to change during the term of the mortgage. Rate caps limit the amount your rate can increase or decrease at each period and over the life of your loan. So you know your highest possible payment from the start.

Fixed Rate Mortgages:
You have the security of knowing that the interest rate you start with will never change - just what you need if you plan to stay in your home for a number of years. Select any term (up to 30 years) that meets your needs. Shorter terms let you build equity faster and substantially reduce your interest cost over the life of the loan.

Construction Loans:
Financing from start to finish. Once you've found your home site and your general contractor, we can help with the financing. We offer a one-time closing, so you only have to close when constructions starts. Upon completion of your house, First Savings Bank construction loans convert to permanent financing with no additional closing costs.

Everything You Need to Make Life Easy:
Competitive rates and low up-front fees make our mortgages among the most affordable you'll find. And there is no prepayment penalty on any of our home loans.

Easy Automatic Payments:
If you like, we can automatically deduct your mortgage loan payments from your First Savings Bank checking account. So there are no extra monthly checks to write and the payments are shown on your checking account statements.