Home Loan Products

You might think getting a home loan is a difficult process. We’re here to help you and make it EASY. Reach us at 833-FHM-EASY or send us a message.

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First Harrison Mortgage

Buying a home?

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We strive to make the mortgage process as simple as possible. We have our own division of lenders dedicated to mortgages. Even better, you don’t have to visit one of our branches to start the process! If you’d like to apply for a mortgage online, please click the appropriate button above for a home purchase or home refinance.


A home is probably the biggest purchase you ever make. You can trust us to make your dream a reality. Home buyers will find quick and simple financing with the plethora of options we have. We can also refinance your current mortgage!

Our Mortgage Products


Mortgage Rates

For current mortgage rates, visit our Mortgage Website.

Payment Calculator

If you don’t know how much house you can comfortably afford, check out our sample fixed rate home loan calculator.

How much will my fixed rate home loan payment be?

Home Construction Loans

Some people like to search for their dream home that’s already built and ready for move-in. Others want to build the home of their dreams. For those that like to customize, we have a customized solution for you in our home construction loans.

You want to keep your construction loan payments affordable because you might be paying to live in one place while building another. We help keep those expenses manageable and disburse funds along the way in the construction process.

The best part about our home construction loans? We can help with turning your home construction loan into permanent financing. We will be with you from the beginning of your dream home idea all the way until your home has many memories years from now.

First Time Homebuyers

Buying a home for the first time can be daunting. You might think that it’s confusing, stressful, and a lot of work. It shouldn’t feel that way. We have a dedicated team to make it EASY for you. Buying a home should be a rewarding experience. We try to be a small part of that.

As mentioned previously, there are all sorts of loan options, especially for first time homebuyers. When our staff sits down with you, we want to know about you. We will gather information about you that will help us get you the best possible type of loan. You don’t have to know all the complexities of getting a mortgage because our staff has the experience to make it simple for you.

Our Mortgage Process

At First Harrison Bank, our goal is to help make the mortgage process as clear and informative as possible. A better understanding of the process can help ensure your loan closes on time. Our Mortgage Guide will walk you through each step so you know what to expect from application to closing.

Mortgage Guide

Home Equity Line of Credit (HELOC)

Perhaps you live in your dream home, but you need to make a repair here or there. You might want to add a deck. Your spouse may really want the kitchen remodeled. You might just need a little extra cash. A HELOC is the perfect kind of loan for these situations and more.

If you have equity in your home, why not use it? Here are some of the benefits of a First Harrison Bank HELOC:

  • Funds for repairs, remodels, additions, and more
  • Revolving line of credit
  • Write a check or transfer funds online from your HELOC


Please call or visit us to apply.

Second Mortgage

From time to time, we need to make big purchases in life. We often don't have the funds to pay for the large purchase in one lump sum. If you have equity in your home, the difference between what you owe on your first mortgage and what the current value is today, and need a lump sum for whatever life has brought, a second mortgage could be a good option for you. Even better, you can receive our second mortgage special rate of 3.45% APR if you meet the eligibility criteria!*

Second Mortgage Facts

  • You'll receive a lump sum loan from the bank.
  • Fixed term and rate.
  • Consistent payments make it easy to budget.
  • Generally, second mortgage rates are better than credit card rates.
  • Can be used for things like home renovation, repairs, weddings, credit card consolidation, or any other large purchase.
  • The interest may be tax deductible. Please consult your tax advisor for details. 

You can always visit our full mortgage website.

First Harrison Mortgage


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*All loans subject to credit approval. Advertised Annual Percentage Rate (APR) (effective as of December 10, 2020) is for new equity loans with a repayment period of 5 years or less, a Combined Loan-to-Value Ratio (CLTV) of 80% or less. Your rate may differ based on loan amount, repayment period, CLTV, your credit history, and other factors. Your actual APR will be based on a review of your credit application. Rates range from 3.45% APR to 4.45% APR. Rates and terms subject to change without notice. Borrower will be charged up to $350 of actual 3rd party costs in the following order: appraisal/evaluation, title search, METIC, recording, credit report, flood determination. This offer is available only on owner-occupied, single-family residential real property. First Harrison must obtain a valid first or second lien on the collateral and with automatic payment from a First Harrison Bank Deposit Account. Rate is fixed for the term of the loan. Longer loan terms and amortization terms (up to 15 years) are available. Please contact First Harrison Bank for details. Payment example: The monthly (principal and interest) payment on $25,000 borrowed at a range of 3.45% APR to 4.45% APR for 60 months may range from $454.23 to $465.51. Property insurance is required, and, if applicable, flood insurance will be required. The aforementioned monthly principal and interest example will be higher as it does not include property taxes, property insurance and flood insurance, if required. Consult your tax advisor regarding the deductibility of interest.

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