© 1st Trust Financial 2012 Fixed Rates  The current rates on our products are as follows:   30 Yr Fixed: 3.375%  3.64% APR   20 Yr Fixed: 3.25%   3.354% APR   15 Yr Fixed: 2.75%    2.9% APR   Rates are fixed and are based on customers having a 720+ credit score,  a loan size  ≥ $200,000 and ≤ $417,000.  (Rates quoted are part of our "Ultra Rate" program and include a 1% origination fee.)  Ask about our traditional 30 yr fixed programs also.  Other restrictions may apply.   For a Custom Quote, please call today as rates and program guidelines may change throughout the day. 1st Time Home Buyer Help  1st Time Buyer Information:           Our knowledge and experience makes buying your home easy and educated.  We offer the best home financing options for home loans.   Order of Events: 1. Call today to get pre approved within 24 hrs. 2.  Shop for your dream home. We can have a realtor email you listings instantly. 3.  Sign a purchase contract with a home seller. 4.  Have 1st Trust get the financing ready for settlement!   To get a copy of the rate quote application to get started today please click the button below