Discover flexible home loan options, competitive rates, and local expertise to make your home ownership journey simple and stress-free.
At First International Bank & Trust (FIBT), we make home financing simple by partnering you with local lenders who live and work in the same communities you do. Our process is built on clear communication, innovative solutions, and personalized guidance – ensuring your experience is smooth and stress-free. With proven expertise and a commitment to your satisfaction, our lenders will be by your side every step of the way.
The typical process includes:
Getting prequalified gives you an estimate of how much home you can afford based on your income, credit, and other financial details. It helps you set a realistic budget, narrow your home search, and show sellers you’re a serious buyer – all without the formal commitment of a preapproval.
Down payment amounts vary depending on the type of loan and your financial situation. Many buyers put down a percentage of the home’s price, while some programs may offer lower or flexible options. It’s best to explore what works for your budget.
Credit requirements differ by lender and loan type. Generally, a stronger credit profile can help you qualify for more options and better rates. Checking your credit early can help you prepare for the homebuying process.