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Home Mortgages


First Financial Bank offers fixed and adjustable rate mortgages, along with special mortgage programs to fit just about every need. For more information, please click here to see our mortgage rates. If you need further assistance, please contact us at 812-238-6311, or find a mortgage expert.

Loan Type Key Features
Fixed Rate Mortgage Competitive rates with many term options
Variable Rate Mortgage Low initial payments
Home Possible Mortgage 97% financing at a fixed rate for low-to-moderate income home buyers
Home Sweet Home Mortgage 30-year fixed rate loan for borrowers with less than perfect credit
Fixer-Upper Mortgage Extra funds for renovation included in your fixed-rate loan, with 9 months to complete renovations
Construction to Permanent Loan An interest only loan during construction, which converts to permanent at closing
Lot Loans 10% down with no PMI in platted subdivisions
Rural Housing Program Closing costs can be included, if appraisal allows, in this no-PMI loan. 100% financing available on eligible properties.

Fixed Rate and Adjustable Rate Mortgages

  • 10, 15, 20 and 30 year fixed rate mortgages
  • 1/1, 3/1, 3/3, 5/1 and 5/5 adjustable rate mortgages

Home Possible

  • 97% financing
  • fixed rate
  • reduced private mortgage insurance premium
  • no borrower contribution required if 1 unit primary residence
  • expanded credit approval
  • subject to income limitations

Home Sweet Home Mortgage

  • 30 year fixed rate
  • for borrowers with less than perfect credit

Fixer-Upper Mortgage

  • purchase money plus funds for renovation
  • fixed rate
  • 9 months to complete renovations

Construction to Permanent Loans

  • interest only payments during construction
  • one closing (converts automatically to permanent mortgage upon completion)
  • fixed rate

Lot Loans

  • 10% down with no PMI in platted subdivisions
  • amortized up to 30 years

Rural Housing Program

  • no private mortgage insurance
  • 100% financing available for eligible properties

As you shop for a home, our handy House Hunters’ Checklist can help you keep track of information about the homes you visit.

Mortgage loan calculator.