Whether you’re a first-time homebuyer or a seasoned homeowner looking for a new place, you’ll find the confidence you need to maneuver the homebuying process with ease at First Security Bank.
Our lending experts are there to walk you through the process, each step of the way. Eliminate stress and enjoy making your new house a home. We have a variety of mortgage options to meet your needs.
If you know you’ll be moving within the next few years, an adjustable-rate mortgage (ARM) may be the answer for you. This rate is fixed for 5 years or 7 years, depending on the ARM product selected, and then will adjust with the market each year thereafter. The rate cannot change by more than 1% per year, or 6% over the life of the loan.
Multiple loan terms to suit your needs
Fixed for 5 years or 7 years, then variable annually
We are an approved lender for this special USDA financing program, which assists borrowers who meet income guidelines and are not eligible for conventional financing.
No down payment
Flexible mortgage insurance requirements
Escrow required for taxes, insurance and annual fee
Since 1995, the Federal Home Loan Bank of Des Moines has awarded $155.7 million in down payment and closing cost assistance to help more than 32,700 families purchase a loan. To learn more about this program and how to qualify, visit the FHLB website or contact a Retail Lender to learn more.
The Mortgage Rate Relief product can reduce interest rates for both new home buyers and existing owners that are earning up to 80% of area median income, as determined by the Federal Housing Finance Agency's Underserved Areas data. This product is available due to First Security's participation with the Federal Home Loan Bank of Des Moines. Contact a Retail Lender to determine program funds availability and to learn more.
Regular home maintenance helps catch small issues early, keeps systems running efficiently, saves on energy costs, and protects your home's value. It’s a simple way to ensure safety, comfort, and avoid costly repairs. Consider this checklist of maintenance items compiled by Readynest by MGIC.
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