Home     Loan Center     Products     About Us     FAQ     Resources     My Account     Login     Apply Now     Contact Us   Products First Commerce Mortgage, NMLS ID# 474393, offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:   Conventional Loans FHA Loans VA Loans Rural Development Loans Conventional Loans Offer the home buyer a variety of low down payment options Long term fixed rates are also available Maximum Amount: $417,000 FHA Loans Offer lower down payment requirements Easier to qualify for than a conventional loan FHA loans are good for first time home buyers due to lower up front loan costs and less credit requirements In some cases sellers are also allowed to assist buyers with their closing costs   VA Loans Allows veterans and service members to obtain home loans with favorable terms usually with out a down payment Maximum Amount: $417,000 Rural Development Loans Offer home buyers a USDA guaranteed loan that does not require a down payment It also allows for the seller to contribute towards the paying of the buyers closing costs