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Your Community Bank Since 1903

Serving our customers for over 120 years.

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Serving New Mexico and El Paso, Texas.

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Local FIRST Since 1903

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Types of Home Loans

Home Loan Options

Our mortgage originators will provide a variety of home loan options to help you find the right one. They have the expertise and knowledge to offer step-by-step guidance so you will feel confident with the sometimes complicated home buying process.

Conventional or Fixed Rate Loans

The principal and interest payments does not change for the life of your loan. You may choose from a variety of terms, which are amortized over the life of the loan. This mortgage is not insured by or guaranteed by the government.

Adjustable Rate Loan

These (ARM) loans have interest rates that fluctuate periodically, which can subsequently cause the principal and interest payments to go up or down monthly, semi-annually, annually, or remain fixed for a period of time before it changes.

Combo/piggyback Loans

These mortgages consist of two loans: a first mortgage and a second mortgage. The mortgages can be fixed-rate or adjustable-rate mortgages, or a combination of the two. Borrowers take out two loans when the down payment is less than 20% to avoid paying private mortgage insurance (PMI).

Jumbo Loans

This loan program offers borrowers home financing for high priced or luxury homes. Jumbo loans exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA).

Visit or call your local mortgage originators to discuss your next steps.

Our mortgage application checklist is a guide to help you gather information that may be needed to complete your home loan.

Use our calculators to estimate home loan financing options.

First American Bank

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