Overview
Home Mortgages
Buying a home is the biggest financial decision most people ever make. At FSCB, your mortgage application is reviewed by local underwriters who know your market, not a national call center. From first-time buyer programs to jumbo loans, we have the right mortgage for every buyer.
Common uses
First home purchase
Move-up purchase
Investment property
Rate and term refinance
Cash-out refinance
Construction-to-perm
Vacation home
Jumbo purchase
Why FSCB
What sets our loans apart
Conventional Loans
30, 20, and 15-year fixed-rate options with competitive rates for buyers with strong credit.
FHA Loans
Low down payment options (3.5%) for first-time buyers or those with less-than-perfect credit.
VA Loans
No down payment mortgages for eligible veterans and active-duty service members.
USDA Rural Loans
100% financing for eligible rural and suburban homebuyers through the USDA program.
Jumbo Loans
Financing above conforming loan limits for higher-value properties with personalized terms.
Construction Loans
Fund your build from the ground up with draw-based construction-to-permanent financing.
Rates & Terms
Illustrative rate guide
* APR shown is illustrative and varies based on creditworthiness, term, and loan type. Contact FSCB for your personalized rate.
Process
How to apply
1
Get Pre-Approved
A pre-approval letter tells you exactly how much home you can afford and shows sellers you're serious.
2
Find Your Home
Shop with confidence knowing your financing is ready. Your FSCB mortgage advisor is available throughout.
3
Close with Confidence
Local processing and underwriting means fewer delays. We target closings in 21–30 days.
FAQ
Common questions
How much down payment do I need?
It depends on the loan type. Conventional loans start at 3% down, FHA at 3.5%, VA and USDA offer 0% down for eligible buyers.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate based on self-reported info. Pre-approval is a verified commitment from FSCB based on your actual financial documents.
How long does the mortgage process take?
From complete application to closing, FSCB targets 21–30 days for most purchase loans. Refinances may be faster.
Can I lock my interest rate?
Yes — once your application is approved, you can lock your rate for 30, 45, or 60 days while you finalize your purchase.
Ready to apply?
Local decisions from people who know your community and want you to succeed.