Residential Lending

 

 

 

 

 

 

 

 

 

 

 

Whether you’re buying your first home or a multi-million-dollar estate, we will find you the best loan from the vast array of options available in today’s market. We know the choices can be overwhelming. We also know that the right loan can save you thousands of dollars. We take the time to understand your financial situation and your financial goals so we can be certain that we’ll get you a loan that saves you the most money and makes the most economic sense for you now and for the life of your loan.

In addition to customizing your loan, we’ll save you time and tribulation. We know precisely how to package a mortgage application to minimize the paperwork burden for you, maximize our efficiency, and speed the approval process. When we all work together, we can close your loan on time and start saving you money. Some of our popular products are:

• The Option Loan

- Features a low start-rate and several payment options every month.

• Interest Only Loans

- Fixed rates with lower payments than fully amortized loans.

• Hybrid Loans

- 3-, 5-, 7- and 10-year fixed rates that roll to an adjustable loan for the remaining term. Enjoy the security of a lower short term fixed rate.

• Standard Fixed Rates

- First Financial Bancorp offers some of the most competitive rates in the nation.

• No Down Payment

- First Financial Bancorp offers loans up to a million dollars with no down payment. Other programs are available with 3%, 5% and 10% down.

• Subprime Loans

- First Financial Bancorp has loans available for people with credit issues, judgments or other problems that may typically prevent a borrower from obtaining a loan.

• Out of the Box

- Hard to prove income? Can’t verify your assets? Seasoning issues? Foreign National? First Financial Bancorp has a large variety of products to handle any of these difficult situations.