Whether you’re a first-time homebuyer, upgrading to your dream home, or refinancing, we’ll help you find the right loan – with flexible solutions tailored to your unique situation and several low-down payment options to make homeownership more affordable.
 

Why Homebuyers Like You Choose First Mid

Local Experts Who Care. At First Mid, we offer more than just loan options. Our local mortgage experts live and work in our banking communities, and they’re here to guide you every step of the way. With us, you’re not just getting a mortgage – you’re gaining a team that cares about your future and the health of our community.
 
 
Tailored Mortgage Solutions for Every Situation. No two home journeys are the same – that’s why we offer a diverse range of mortgage solutions that can be customized to fit your specific needs. Whether you’re a first-time homebuyer looking for lower down payment options, ready to refinance at a better rate, exploring a home equity loan or line of credit (HELOC), or searching for a loan to buy your next home, we’re here to help.
 
 
Get Pre-Qualified for Free, with No Obligation. Getting pre-qualified for a mortgage is simple, quick, and comes with no obligation. In today’s competitive housing market, a pre-qualification letter from a reputable lender like First Mid can be the key to securing the home you want. Use one of our mortgage calculators to help get a general idea of how much you may be eligible to borrow.
 
 
 

Start Your Mortgage Journey Today

Our team is here to provide the support and expertise you need to make informed decisions. Whether you’re just starting to look for a home or are ready to apply, we’re here to help.

Contact Us. Our team is just a call or click away. Reach out to us online by completing our online form, below, or call 1-877-888-5629.

You can apply online. Our online application is convenient, easy, and secure.

Apply Now with a Lender

Contact Us

 






























































































    FAQs

    Our mortgage lenders live and work in our banking communities and are available to answer your questions and assist you in choosing the right financing for your situation.
    Conventional loans are available in a variety of terms, either as an adjustable rate mortgage or as a fixed rate mortgage, ranging from 10 to 30 years. This may be an appealing option for those who plan to stay in their home for many years. With a Conventional loan, purchase transactions may require as little as a 5% down payment.1  For more specific details, please contact a First Mid mortgage lender. 
    Yes, First Mid offers financing for first-time homebuyers. To see available options that may make it easier for first-time buyers to settle into their first home, visit our low down payment mortgage options page.
    A Jumbo Loan is a larger than usual loan amount for unusually higher-priced properties. The dollar amount that causes a loan to be considered a Jumbo may vary by geographical location.
    Refinancing may help you secure a lower rate or can help you obtain extra cash for any purpose. We offer a mortgage refinance calculator to help you decide if this option is right for you.
    You may need a Lot Loan to finance the site of your future home. Sometimes Lot Loans are converted into construction loans once you’re ready to build.
    If you want to build a house, you’ll need a New Construction Loan. Because these loans are considered riskier than a conventional home mortgage, you will likely need excellent credit and to put down a larger down payment than for a standard home loan.
    These loans allow you to tap into the equity you have in your home, either by borrowing a lump sum for a specific purpose, or having a line of credit you can tap into as needed.

    At First Mid, getting pre-qualified is free and you are under no obligation to secure a loan with us.

    • First determine how much you can afford to spend. Use one of our calculators to help determine your payments for a particular loan type.
    • Find a First Mid mortgage lender near you and apply online to get pre-qualified for a conventional loan. We will just need some basic information.
    • Once your submission has been received, we will review your application and let you know if you are approved for a loan.2

    With pre-qualification, you will know the value of the home you can afford and the estimated size of your monthly mortgage payments. Best of all, the letter of loan approval will give you confidence when you talk to the real estate agent or seller. Pre-qualification gives you negotiation power and an advantage over other potential buyers because it indicates you are a serious buyer ready to make a decision.

    For complete details, Contact Us or call 1-877-888-5629.

    If you would like to set up an automatic loan payment, either from a First Mid deposit account or from an account at another financial institution, you can! Complete our Loan Payment EFT Authorization Form, sign it and either email or mail it back to us. It’s that simple!

    Error Resolutions, Information and Written Requests

    You have certain rights under federal law related to resolving errors in the servicing of your mortgage loan, requesting information about your mortgage loan and… (click for more).
    1 Example: “A $100,000 conventional fixed rate mortgage requiring 5% down payment ($5,000) and financed at an Annual Percentage Rate of 4.00% would require 360 monthly payments of $453.54 each, or 240 monthly payments of $575.68 each. Additional rates and repayment terms may be calculated using our online mortgage calculator.
     
    2 Subject to verification of information provided.