Mortgages made easy

Talk to a loan specialist today at 866-964-2040, visit any FirstBank location, or apply online.

No loan officer commission

Expert loan teams to advise you

Affordable Housing Programs

Local decisions and support

Easy, digital mortgage application

Skip account modals

Find the right mortgage for you.

How much do you want to borrow?

Which type of mortgage rate?

  • 30-Year Fixed

    Interest rate stays the same for the life of the loan, so your monthly principal and interest amounts will not increase.

    %

    Interest Rate

    %

    Annual Percentage Rate

  • 15-Year Fixed

    Interest rate stays the same for the life of the loan, and the loan balance pays down faster than a 30 year term.

    %

    Interest Rate

    %

    Annual Percentage Rate

  • 5-Year ARM

    Adjustable Rate Mortgage interest rate and APR are fixed for the first 5 years and then will adjust annually. Typically lower initial payments than a fixed rate mortgage.

    %

    Interest Rate

    %

    Annual Percentage Rate

  • 7-Year ARM

    Adjustable Rate Mortgage interest rate and APR are fixed for the first 7 years and then will adjust annually. Typically lower initial payments than a fixed rate mortgage.

    %

    Interest Rate

    %

    Annual Percentage Rate

  • 30-Year Fixed FHA

    Interest rates stay the same for the life of the loan. This product has more lenient credit requirements.

    %

    Interest Rate

    %

    Annual Percentage Rate

  • Mortgages made easy.

    Click the button below to provide some basic information, and one of our Loan Specialists will be in touch within one business day.

  • 30-Year Fixed Jumbo

    Interest rate stays the same for the life of the loan, so your monthly principal and interest amounts will not increase.

    %

    Interest Rate

    %

    Annual Percentage Rate

  • 15-Year Fixed Jumbo

    Interest rate stays the same for the life of the loan, and the loan balance pays down faster than a 30 year term.

    %

    Interest Rate

    %

    Annual Percentage Rate

  • 5-Year ARM Jumbo

    Adjustable Rate Mortgage interest rate and APR are fixed for the first 5 years and then will adjust annually. Typically lower initial payments than a fixed rate mortgage.

    %

    Interest Rate

    %

    Annual Percentage Rate

  • 7-Year ARM Jumbo

    Adjustable Rate Mortgage interest rate and APR are fixed for the first 7 years and then will adjust annually. Typically lower initial payments than a fixed rate mortgage.

    %

    Interest Rate

    %

    Annual Percentage Rate

  • Mortgages made easy.

    Click the button below to provide some basic information, and one of our Loan Specialists will be in touch within one business day.

Your home buying experience will be noticeably less scary with our straightforward mortgage options and truly helpful customer service.

Talk to a mortgage specialist today at 866-964-2040 or visit any FirstBank location. FirstBank Online Banking customers can apply online after viewing rates.

Learn More about FirstBank Mortgages and the Home-Buying Experience.

When you are ready to apply for a mortgage, FirstBank makes it easy.

Choose from the following options

When completing your mortgage application, have the following information ready

  • Name(s), current address(es), and tax ID number(s) for each borrower.
  • Previous addresses for borrowers who have been at their current address for less than two years.
  • Names and addresses of all employers within the past two years for each borrower.
  • Borrower(s) gross monthly income (including bonuses, dividend, and interest income).
  • Information about the property you are buying or refinancing.
  • Information about your assets and liabilities.

In order to verify the income used in your FirstBank mortgage application, you may be required to document your income. Typically this would require you to supply one or more copies of the following:

  • Recent pay stubs
  • W-2's
  • Federal Tax return(s)
  • Other similar information

Once you have applied, FirstBank will send you

  • Appropriate disclosures associated with your mortgage type.
  • An estimate of the costs associated with your mortgage.

As part of the underwriting of your mortgage, FirstBank will

  • Obtain a current credit history report of each borrower.
  • Order an appraisal along with obtaining a variety of other documents related to the property (i.e. title insurance).

Once all requested documents are received

  • Final underwriting of your mortgage request will take place.
  • A bank officer will review your appraisal, title commitment, and any additional financial information that has been obtained.

One of the last steps involved with your mortgage request is locking an interest rate

  • Because there are a variety of options to locking your rate, you will have the opportunity to discuss each option with a FirstBank officer.
  • Locking your interest rate ensures that it will not increase before you close your mortgage.

On the day your mortgage is scheduled to close

  • Your FirstBank officer will present you with the mortgage documentation you will be required to sign.
  • Your FirstBank officer will be glad to answer any questions you may have regarding your mortgage and the related documents.

The information below is intended to help you decide whether a fixed rate mortgage or an adjustable rate mortgage is right for you.

Fixed Rate Mortgage

OR

Adjustable Rate Mortgage

Compare Fixed Rate Morgage and Adjustable Rate Mortgage
  Fixed Rate Adjustable Rate
Interest Rates Interest rates stays the same for the life of the loan Interest rates may increase or decrease over the life of the loan
Monthly Payments Typically higher initial payments than an adjustable rate mortgage Typically lower initial payments than a fixed rate mortgage
Terms 30, 20, 15, 10, 7,or 5 year loan terms
(rate fixed for entire loan term)
30 or 15 year loan terms
(rate fixed for 7 or 5 years)

FirstBank Affordable Housing Programs are designed for those with low to moderate incomes, based on a percentage of the average income in your community.

FirstBank Affordable Housing Programs are designed for those with low to moderate incomes, based on a percentage of the average income in your community. You can use these programs to buy a home or refinance your existing mortgage.

Affordable and Super Affordable Housing Programs

  • Low closing costs.
  • Available with fixed rate or adjustable rate mortgages.

To find out more about our Affordable Housing Programs, please contact a loan officer at your branch, or call our mortgage specialists at 866-964-2040.

All Mortgages

30-Year Fixed

Interest rate stays the same for the life of the loan, so your monthly principal and interest amounts will not increase.

%

Interest Rate

%

Annual Percentage Rate

15-Year Fixed

Interest rate stays the same for the life of the loan, and the loan balance pays down faster than a 30 year term.

%

Interest Rate

%

Annual Percentage Rate

5-Year ARM

Adjustable Rate Mortgage interest rate and APR are fixed for the first 5 years and then will adjust annually. Typically lower initial payments than a fixed rate mortgage.

%

Interest Rate

%

Annual Percentage Rate

7-Year ARM

Adjustable Rate Mortgage interest rate and APR are fixed for the first 7 years and then will adjust annually. Typically lower initial payments than a fixed rate mortgage.

%

Interest Rate

%

Annual Percentage Rate

30-Year Fixed FHA

Interest rates stay the same for the life of the loan. This product has more lenient credit requirements.

%

Interest Rate

%

Annual Percentage Rate

30-Year Fixed Jumbo

Interest rate stays the same for the life of the loan, so your monthly principal and interest amounts will not increase.

%

Interest Rate

%

Annual Percentage Rate

15-Year Fixed Jumbo

Interest rate stays the same for the life of the loan, and the loan balance pays down faster than a 30 year term.

%

Interest Rate

%

Annual Percentage Rate

5-Year ARM Jumbo

Adjustable Rate Mortgage interest rate and APR are fixed for the first 5 years and then will adjust annually. Typically lower initial payments than a fixed rate mortgage.

%

Interest Rate

%

Annual Percentage Rate

7-Year ARM Jumbo

Adjustable Rate Mortgage interest rate and APR are fixed for the first 7 years and then will adjust annually. Typically lower initial payments than a fixed rate mortgage.

%

Interest Rate

%

Annual Percentage Rate

Disclosures

  • - Rates and terms are effective as of Mountain Standard Time and are subject to change without notice.
  • - Today's rates are based on the purchase of a single-family, primary residence in Colorado. This rate assumes a credit score of 750 and assumes the loan will have an escrow account. For more information or to get started with your home mortgage application, please contact us at 1-866-964-2040.
  • - If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR.
  • - Survey fees and flood insurance are required in some instances.
  • - Adjustments to the loan interest rate or lender origination charges may apply depending on several factors including but not limited to your credit score, the loan amount, the property location, the transaction type, the occupancy type, the loan-to-value, and the property type.
  • - FirstBank determines actual loan qualification only after receipt of a completed loan application and analysis of pertinent information, such as (but not limited to) credit history, income documentation, and property valuation.
  • - Annual Percentage Rate (APR) is a standardized method of calculating the cost of a mortgage, stated as a yearly rate, which includes such items as interest, mortgage insurance and certain points or credit costs. Because it includes these other items, it is generally higher than the quoted interest rate.
  • - Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
  • Jumbo: A product used for loan amounts that exceed the conforming limit, currently $484,350.