We put your needs first with a range of mortgage options.

At First Farmers Bank & Trust, we understand that every home buyer is unique. That's why we offer customers a wide range of home financing programs to meet any need – whether you're buying your first home, upsizing, refinancing, or building your dream home.

Our mortgage specialists will take the time to understand your needs and help you choose the right financing program for your situation. Because our mortgages are approved and serviced locally, you can count on a timely response.

  • Local Lender, Local Servicing
  • Low-cost Mortgage Insurance or No-insurance Options
  • Fast, Free Pre-qualifications
  • Rapid Closings
  • Debt Consolidation Loans

Save time - Apply online with a Fast-Trac Mortgage! - Click here now!

With our online mortgage application we can approve your mortgage in a few minutes, instead of a few days. Plus, you'll still receive the personal attention and knowledgeable answers from the mortgage professionals you know and trust. Click here to get started.

Fixed-Rate Mortgages

Enjoy the security of a fixed rate and fixed payments for the entire term of your loan. Our fixed-rate mortgages offer you stability and consistency, and are available in various terms.

Adjustable-Rate Mortgages

With an adjustable-rate mortgage (ARM) you may enjoy lower initial monthly payments for a specific period, after which the rate may adjust up or down. This type of loan is attractive when you feel interest rates will decline, and will allow you to save money when rates drop, without the additional cost of refinancing.

Jumbo Mortgages

Thinking big? When your financing needs require a larger loan, we offer jumbo loans with either fixed- or adjustable-rate options.

Construction Loans

Building a home? We make it easier and less stressful by working with you and your builder.

First Time Home Buyers Programs

We have attractive programs designed with first time buyers in mind. Some of the features include low down payments, more flexible income-qualifying ratios, and favorable loan terms.

People you can trust

If you have any questions about our products and services, please use our information request form, visit any of our offices, or call (800) 371-3316 to speak with a member of our staff. We will be happy to answer your questions and assist you in selecting the products and services that best meet your financial needs.