Mortgage & Home Finance
Buying or Building?
Whether it's your first-time or forever home, we offer competitive financing with local decision making.
Refinancing
Reduce your loan term, rate or payment, consolidate debt and more. We’ll help with the math.
Using Home Equity
Access the equity in your home for debt consolidation, home improvements and more.
Choosing a Mortgage
Whether you’re buying or building your home, we can help you find the right rates and terms. We have access to an array of loan products and use fast, state-of-the-art loan processing. Best of all, we provide personal service and support, making all of our lending decisions locally.
Apply Today & Get Up to $550*
Successfully complete an online application and receive a $50 bonus*. When you close on your loan, we’ll take an additional $500 off your closing fees.
Refinance Your Home
If your home is worth more than you owe, we can help you explore the potential benefits of refinancing your existing mortgage. Our bankers can help you reduce your rate, lower your payment or simply leverage your home equity to consolidate debt or make other purchases.
HOME EQUITY LOANS & LINES OF CREDIT
Personal Loans
Find competitive rates on a personal loan whether you are consolidating debt, making home improvements and more.
Home Equity Line of Credit
Access funds any time, for any reason, including overdraft protection. Use your home equity to establish a revolving line of credit.
Frequently Asked Questions
Are there any loan programs that don't require a down payment?
Yes, there are loan programs that do not require a down payment. If you and/or the property you are purchasing meet certain credit, employment history, location and other determining factors, a zero-downpayment loan may be an option for you. Contact one of our mortgage lenders to see if this is an option for you.
What is private mortgage insurance?
Private mortgage insurance protects the lender against default and enables the lender to make a loan. Lenders often require mortgage insurance for loans where the down payment is less than 20% of the sale price. You may be billed monthly, annually, by an initial lump sum, or some combination of these practices for your mortgage insurance premium.
Once I submit my application online, how long will it take before I know if I've been pre-qualified?
You will receive a phone call from one of our Mortgage Loan Bankers within 24 hours (during standard business days) of submitting your application. Depending on the complexity of your loan scenario, the pre-qualification process is fairly quick. A "pre-qual" is a guide as you go through the home buying process. It does not guarantee you will be approved for the mortgage.
Is there a fee to submit my mortgage application online?
No, applying online is free.
Disclosure
{*} Receive a $50 deposit into your First PREMIER Bank personal checking account. The account must be in good standing at the time of the $50 bonus payout to qualify. All bonuses will be paid to the applicable accounts within six weeks after promotion requirements have been met. This $550 special offer cannot be used in conjunction with any other discounts or bonus coupons. Limited to one per customer.
Member FDIC | 
Equal Housing Lender