Free Mortgage Advice

Q. How do I increase and protect my credit rating?

A. Here are a few general tips to assist you in raising and maintaining your credit score:

Maintain two or three revolving charge accounts (such as Visa or MasterCard) in good standing
Have a couple of other credit card accounts, such as department stores or gas cards, in good standing
Avoid “finance” company credit card offers
Avoid credit inquiries - they lower your credit score
Don’t max out your credit cards - the ratio of available credit to your total credit balances is very important
Don’t apply for multiple credit lines - this triggers an inquiry of your credit, which lowers your credit score
Never co-sign a loan for someone else

To make an inquiry about a mortgage loan, whatever your credit, use our online inquiry form, or simply fill out the fast-track inquiry form and we will contact you at the time you specify.

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Florida, Maryland, and Virginia Mortgages

Low rates for
residential mortgages

Looking for low rates and fast service for residential mortgages in Florida, Maryland, or Virginia?

How does this sound?

Low mortgage rates
Residential mortgages available throughout Florida, Maryland, and Virginia
A decision within hours of submitting your application
No application fee
No upfront disclosures
Easy, fast, and flexible service
Dedicated mortgage consultants and staff
Creative financial solutions tailored to your mortgage needs
On-time closing

Use this mortgage calculator to see how much you will save with First Banc Mortgage:

See how much you will save with us:
Enter loan amount:
	First Banc rate	Av market rate
30 year fixed	6.125%	6.309%
APR	6.125%	6.309%
Monthly payment:
Monthly saving:
Life of loan saving:		Assumptions

At First Banc Mortgage we make your success our business.

To help you make the right decision about your mortgage we offer the following free tools and mortgage advice:

Rent vs Buy Calculator

Mortgage Payments Calculator

Refinancing Calculator

Monthly Payment Calculator

Mortgage Loan Planner

Mortgage Application Guide

Frequently Asked Questions

Glossary of Mortgage Terms

Fast Track Inquiry

Name
E-mail:
Phone:
Property:
	value



We will call you with a recommended solution NO COST - NO OBLIGATION

MORTGAGE RATES
PROGRAM	RATE	APR
Loans under $275,000
Int. Only ARMs
30 Yr. Fixed	6.375	6.375
5/1 ARM	5.625	5.625
7/1 ARM	5.750	5.750
10/1 ARM	6.000	6.000
Jumbo Loans - $300,700+ construction/permanent
Fixed Rates/ARMs
30 Yr. Fixed	6.250	6.250
15 Yr. Fixed	5.875	5.875
5/1 ARM	5.875	5.875
7/1 ARM	5.875	5.875
10/1 ARM	6.125	6.125
Int. Only Fixed Rates/ARMs
30 Yr. Fixed	6.500	6.500
5/1 ARM	5.875	5.875
7/1 ARM	5.875	5.875
10/1 ARM	6.125	6.125
F.H.A. & V.A. Loans
30 Yr. Fixed	5.875	5.875
15 Yr. Fixed	5.500	5.500
4 Payment Option Loan
Option 1	1.000	1.000
Mortgage rate assumptions

HELPFUL TOOLS

Florida, Maryland, and Virginia Mortgages

Low rates for residential mortgages

Low rates for
residential mortgages