Home Mortgage Loans - First Internet Bank - Home Mortgage Interest Rates

"The process went smoothly with personal interaction from First IB personnel at each step - application, document collection, review and final approval. The online document collection was very efficient, and the loan processor and staff were most attentive to make sure that nothing fell through. "

- Bob, LendingTree Review

For great mortgage interest rates and service, you’ve 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 no underwriting fees
  • HARP Refinance – For homeowners whose home value has declined
  • Jumbo – Loan amounts above the standard mortgage loan limit
  • Home equity loan programs

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

Check out the NMLS registry

Mortgage Tools

  • Check Rates

    Check Rates

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

  • Rate Watch

    Rate Watch

    Keep an eye on mortgage interest rates with email alerts.

  • 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.

Mortgage FAQs View All FAQs


How quickly can you close my mortgage?

First Internet Bank can typically close the majority of home purchase mortgages and refinance transactions within 30 days from the time we receive all of your documents. 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.


When to lock in a mortgage 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.

Learn More


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.


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?

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!


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Highly likely to recommend

Seamless Experience - John, Arkansas

“I found First IB online. I was a little skeptical at first, but I couldn't have been more wrong! We were moving from MI to AR, working with a different realtor on each end, and First IB made the purchase of our new home seamless. The...mortgage we received is piece of mind for the future and we couldn't be more satisfied with the service... “

Highly likely to recommend

Worked Around My Schedule - Sean, Missouri

“My experience with First Internet Bank was amazing. Everything was done as quickly as possible and there was help every step of the way. I was busy traveling for work and they were able to keep me updated and work around my schedule. I would highly recommend First Internet Bank.”

Highly likely to recommend

Best Lender Experience - Ryan, Arizona

“This was the first time I've used an online lender and I would definitely use First IB again...The local lenders warned that I wouldn't get personal service using an online lender and warned me against it. I'm glad I ignored them because my experience was one of the best I've had with a lender. I wouldn't hesitate to use this lender again!“

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Thanks for your request from First IB

Thanks for requesting a rate quote from First Internet Bank! We will contact you shortly to provide your personalized rate quote and one-on-one consultation.

To speak with a mortgage expert immediately, call us toll-free at 1-855-707-2775. You can also check the latest rates on our website.

We look forward to speaking with you soon!

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