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Home Mortgages

First Financial Bank offers fixed and adjustable rate mortgages along with special mortgage options to fit just about every need. To apply for a mortgage:

  • Complete an online mortgage application and a loan officer will follow up with you to discuss your needs.
  • Visit a First Financial location. We accept mortgage applications at most of our banking centers. It's a quick process — a customer service representative can take your application in about 20 minutes or less.
Link to mortgage calculators Link to online mortgage application

If you have questions or need help, please call us at 812-238-6311 or 800-511-0045, ext. 6311. Our hours are Monday through Friday from 8 a.m. to 5 p.m. To find a First Financial Mortgage Expert near you, click here. 

Loan Type Key Features
Fixed Rate Mortgage Competitive rates with many term options
Adjustable Rate Mortgage Low initial payments
Home Possible Mortgage 95% financing at a fixed rate for low-to-moderate income home buyers
5/5 Adjustable Rate Mortgage Rate adjusts only once every five years
Fixer-Upper Mortgage Extra funds for renovation included in your fixed-rate loan, with 9 months to complete renovations
Construction to Permanent Loan An interest-only loan during construction, which converts to permanent at closing
Lot Loans 15% down with no private mortgage insurance (PMI) in platted subdivisions
Rural Housing Program Closing costs can be included, if appraisal allows, in this no-PMI loan, 100% financing available on eligible properties

Fixed Rate and Adjustable Rate Mortgages
  • 10, 15, 20 and 30 year fixed rate mortgages
  • 1/1, 3/3 and 5/5 adjustable rate mortgages
Home Possible Mortgage 
  • 95% financing
  • fixed rate
  • reduced private mortgage insurance premium
  • no borrower contribution required if one unit primary residence
  • expanded credit approval
  • subject to income limitations
5/5 Adjustable Rate Mortgage
  • 97% financing with a low down payment
  • rate adjusts only once every five years and never by more than 2%
  • maximum adjustment is capped at 5% above the starting rate over the life of the loan
Fixer-Upper Mortgage
  • purchase money plus funds for renovation
  • fixed rate
  • 9 months to complete renovations
Construction to Permanent Loans
  • interest only payments during construction
  • one closing (converts automatically to permanent mortgage upon completion)
Lot Loans
  • 15% down with no private mortgage insurance in platted subdivisions
  • amortized up to 15 years
Rural Housing Program
  • no private mortgage insurance
  • 100% financing available for eligible properties

*To apply for a mortgage online:

  1. Complete the online application, making sure all the information is accurate.
  2. Click submit and your information will be reviewed promptly.
  3. A First Financial Mortgage Expert will follow up to answer questions and, if needed, request additional information.
First Financial Bank NMLS Number 401915


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