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  First Bank and Trust Company Mortagage Refinance Loan
First Bank and Trust Company Mortagage Refinance Loan
in Mortgage Refinance from First Bank & Trust Company
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First Bank and Trust Company Mortagage Refinance Loan

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in Mortgage Refinance from First Bank & Trust Company
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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2 users recommend
0 users are unsure
0 users don't recommend
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First Bank and Trust Company Mortagage Refinance Loan Review

First Bank and Trust Company Mortagage Refinance Loan is offered by First Bank & Trust Company, a bank founded in 1979 and based in Abingdon, VA. First Bank and Trust Company Mortagage Refinance Loan are available in 2 states across the USA.

Key Takeaways

  • Only offers one mortgage program. First Bank and Trust Company Mortagage Refinance Loan only refinances
  • Financing for single-family and multi-family properties. However, First Bank & Trust Company does not offer financing for manufactured homes.
  • Standard interest rates types. First Bank and Trust Company Mortagage Refinance Loan offers adjustable-rate mortgages and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
  • Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for First Bank and Trust Company Mortagage Refinance Loan.
  • Fair credit accepted. Borrowers with a credit score as low as 650 may qualify for First Bank and Trust Company Mortagage Refinance Loan.

First Bank and Trust Company Mortagage Refinance Loan Pros & Cons

Pros Cons
  • Considers applicants with fair credit.
  • Offers financing for both single and multi-family homes.
  • Charges an origination fee.
  • Charges prepayment fees.
  • Only available in 2 states.

First Bank and Trust Company Mortagage Refinance Loan FAQ

How long does First Bank and Trust Company Mortagage Refinance Loan take to refinance?

First Bank and Trust Company Mortagage Refinance Loan does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.

Does First Bank and Trust Company Mortagage Refinance Loan charge a mortgage origination fee?

Yes, First Bank and Trust Company Mortagage Refinance Loan will charge a loan origination fee.

What mortgage programs does First Bank and Trust Company Mortagage Refinance Loan offer?

First Bank and Trust Company Mortagage Refinance Loan offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.

What property usage types does First Bank and Trust Company Mortagage Refinance Loan allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. First Bank and Trust Company Mortagage Refinance Loan allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 6:00pm
  • Saturday 8:30am - 1:00pm

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Availability

  Available in 2 states
  • Tennessee
  • Virginia

Feature Breakdown

Credit Score Range 650 - 840
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Intended Use
  • Primary Home
  • Secondary Home
  • Investment
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Property Type
  • Single Family Home
  • Townhome
  • Multi-Family Home
Verification Documents Required
  • Driver License (or other photo ID)
  • Recent Pay Stubs
  • Proof of Income
  • Loan Payoff Statements
  • Proof of Identity
  • Proof of Residence
  • Proof of Insurance
  • Government Issued Photo ID
  • Social Security Number
Interest Rate Types Offered
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)

First Bank and Trust Company Mortagage Refinance Loan Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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