Retail Lending

Great for those home improvements we all put off until the spring! 


How does it work?

If you qualify, you’ll be eligible for an unsecured loan for up to $5,000.00 at an interest rate of 5.99% (7.525% APR) for a maximum term of 48 months. With the $150.00 processing fee, that’s only $120.95 per month – for any home improvement of your choice!


What if I need more or less?

If you don’t need the full $5,000.00 or you would like a term under 48 months, we will be happy to structure that for you for the special rate of 5.99%!   If you need a higher loan amount or a longer term, we can certainly make that happen, but the special rate will not apply.


How do I get started?

Give one of our lenders a call. We can get the application started as soon as possible, and in most cases, we’ll have your funds available the same day!


*The Annual Percentage Rate (APR) is based on a sample loan of $5,000.00 with 48 monthly payments of $120.95 and a $150.00 processing fee. The Fixer Upper is an unsecured loan, subject to credit approval, with no prepayment penalty. Maximum loan amount $5,000.00. Limited time offer. 


Mortgage Loans

Find information here about Fixed-Rate Mortgage Loans and Adjustable-Rate Mortgage Loans.

Second Mortgage Loans

Find information here about Second Mortgage Loans.

Construction Loans

Find information here about Construction Loans.

Home Equity Line of Credit

Find information here about Home Equity Line of Credit.

Consumer Loans

Find information here about consumer loans.

Nationwide Mortgage Licensing System

Following is a listing by name and NMLS number of all First Bank staff who are licensed.

Anytime Mortgage - visit mortgage center








Online Banking

Did You Know?

You can deposit checks online using a scanner. You can deposit checks online.
Learn more

Dept. Contacts

For more information on these products or to schedule an appointment, contact any of our mortgage professionals.

Tiffany Bailey
NMLS# 773320
Loan Originator
(765) 973-4269
(800) 548-8138, ext. 269

Stephanie Bell
NMLS# 773323
AVP/Loan Officer
(765) 973-4212
(800) 548-8138, ext. 212

Ryan Lathery
NMLS# 650808
AVP/Loan Officer
(765) 973-4240
(800) 548-8138, ext. 240

Charity Mohr
NMLS# 462480
Mortgage Loan Officer
(317) 398-1000

Pam Stoops
NMLS# 773329
Sr. VP/Retail Lending Manager
(765) 973-4317
(800) 548-8138, ext. 317

Debbie Prather
NMLS# 773327
VP/Cambridge City Branch Manager
(765) 478-4451

For your convenience, we also offer loan services at each of our indoor branches. Please see the Branch Manager at your nearest First Bank branch.

Note: Please do not include any personal or account information when submitting an e-mail. E-mail messages are not encrypted. If you need to give personal or account information, please telephone us or stop by one of our convenient locations.