For great rates and great service, you have come to the right place!

At First Internet Bank, we understand the importance of each step in the home loan process — from finding the best rate to closing on time. We offer a broad variety of mortgage loan programs at competitive rates, including:

  • Fixed Rate Mortgages and Adjustable Rate Mortgages (ARMs)
  • FHA and VA – Low down payment options and a $0 origination fee
  • USDA Rural Development – No down payment option and a $0 origination fee
  • HARP Refinance – For homeowners whose home value has declined
  • Jumbo – Loan amounts above the standard mortgage loan limit

Call now or apply online and an experienced loan specialist will help you find the best financing option for you.

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Mortgage FAQs View All FAQs


How do FHA and VA loans differ from conventional loans?

Not every lender can offer “government” loans, but First Internet Bank does. FHA and VA loans are insured and administered by the federal government. FHA and VA loans generally require lower down payments and have lower qualification requirements than conventional loans. (Only qualified veterans can obtain VA loans.) Additionally, FHA and VA loans have established maximum loan amounts that limit the amount an individual can borrow.

There are conventional loan programs that allow for low down payments.  It is always a good idea to talk to a First IB loan expert, who can help you compare all eligible loan programs to determine which is best for your situation.

Learn more about the various loan programs we offer.


When should I lock in my interest rate?

Mortgage interest rate movements are as hard to predict as the stock market.   No one can really know for certain whether they’ll go up or down, and they may change several times within a single day. If rates are on an upward trend, then you’ll want to consider locking the rate as soon as you are able.  Before you lock your rate, talk to your mortgage loan officer for help in choosing the right rate lock period for your situation.


How quickly can you close my mortgage?

First IB can typically close home purchase mortgages and refinance transactions in 30 days or less. Our experienced loan team will work with you to identify the documents we will need to meet your closing date.

The time to close may vary depending on property and borrower circumstances. Be sure to speak with one of our experienced loan officers about your specific situation.


Can I apply for a mortgage loan before I find a home to purchase?

Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply now you could pre-qualify online in minutes. Or, take it a step further, and we will review requested documentation in order to issue an official pre-approval. You can use the pre-approval letter to assure real estate brokers and sellers that you are a qualified buyer. A mortgage pre-approval helps give more weight to any offer that you make.

How Can We Help?

Mortgage Tools

  • Check Rates

    Check Rates

    Get a free, personalized rate quote online in under a minute!

  • Rate Watch

    Rate Watch

    Receive email alerts when rates change.

  • Calculators


    Crunch the numbers on rent vs. buy, decide if a refi makes sense, and more.

  • Mortgage Terms

    Mortgage Terms

    Brush up on your knowledge of mortgage terms with our glossary.

Learn About Our Other Retail Banking Solutions

Without a branch network to weigh us down, we can offer great rates and fees – with all of the online and mobile tools you would expect to help you make smart financial choices.

  • Checking

    For everyday spending, we offer both interest-earning and free checking accounts.

  • Savings

    Saving for a rainy day? Our rates are hard to beat.

  • Credit Cards

    First IB credit cards give you the confidence of holding greater spending power in the palm of your hand.


It's Different Here!