Let Us Help You Step

Into Homeownership.

First Savings Bank’s mission is to create a higher quality of life for our customers, employees, communities, and shareholders. Our business is committed to building customer relationships, conducting business with integrity, and providing the best client service.
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Some Partners That
Really Trust Us

The First Savings Bank Process Makes You A Homeowner In 7 Easy Steps

You want to buy a new home, and time is of the essence. We get it. First Savings Bank uses cutting edge technology to get your loan commitment as fast as possible and get it closed quickly. Our loan application and approval process is painless, pleasant, and preceise. Here’s what you can expect:

We Have A
Chat

We’ll meet and have a discussion. A loan officer will consult with you on your credit, manage expectations, and go over in detail what your available financing options are based on your situation and needs. We’ll then help you pick your perfect match loan, including the loan program and interest rate, that is ideal for your family.

Apply For Your
Loan

We move full speed ahead with your application, which includes gathering as much information as possible upfront. We’ll then inform you what additional documents are needed, including tax returns, pay stubs, bank statements, and employment history.

Appraisal And Underwriting
Submission

After we receive the requested documents from you, we’ll promptly order an appraisal, title insurance, tax transcripts, verify your employment, and gather other documents needed for closing. One of our loan processors reviews the paperwork to “pre-underwrite” your loan, then it’s submitted for underwriting. Our underwriters rapidly, but thoroughly, access your loan to have it released within hours.

Conditional Approval
And Loan Commitment

This is the step when you can breathe a sigh of relief. Your loan has been approved, but it comes with conditions that must be met before it can close. You’ll receive your loan commitment subject to these conditions, which your loan officer will work with you to address and resolve.

Outstanding
Documents Submitted
for Closing

We’ll gather your additional documents noted in the conditional approval, as well as the third-party paperwork we ordered on your behalf. We then submit it all to the underwriter for “clear to close” on your loan.

Underwriter
Sign Off

The underwriter reviews your loan, affirms that all conditions have been met, and signs off on approval. Now your loan is officially ready to close!

Closing

Congratulations! You’re about to become a homeowner. We’ll schedule your closing, work with the closing attorney to assemble the final paperwork, and confirm the total funds needed at the closing table. The last step is receiving the keys to your new home!

Whether you’re looking to move into a new home or move towards refinancing your existing mortgage, let’s get you moving in the right direction.

What Our Happy Clients Have To Say

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My husband and I gave up several times on buying a home due to the stress of getting approved. I thought we would never buy until we met Chad. He had so much patience and never gave up on us even when things got tough. Everything was clearly explained, and he went above and beyond to get us approved with the lowest interest rate and saved us money! I couldn’t have asked for a better loan experience! Very happy with our home loan, Thank you!!!!

Chad Hazelwood

The folks at FSB were the shining light of our home buying experience. They were always quick to respond to all of our questions and requests, and were an advocate to our family when we ran into difficulty with the title company. They will be my first suggestion to anyone in the mind to buy a home. Thank you Weldon and Preston, you guys were a big help to us!

TJ Olson

My husband and I were referred to Preston Riggs from FSB to handle our complicated loan application. Our move was very stressful as we were moving from Georgia to Kentucky and we had to stay in a hotel for three weeks while our home and our loan were being completed. Preston and his team were so amazing to work with. He was in constant contact with us throughout the entire process…even on the weekends! When our loan underwriters were slow and unresponsive, Preston knew just how much pressure to apply to them to get the loan moved through without upsetting them and causing increased delays. Preston has a great understanding of how the mortgage loan process works along with incredible communication skills; a very hard combination to find. I would highly recommend FSB and Preston Riggs to handle any and all of your mortgage and banking needs.

Tim and Amy

Angelo Christian’s first savings bank team is extraordinary!!! Angelina and Prisciliano were very professional, proficient and diligent with making our purchase happen. We had been turned down by multiple financial institutions before finding Angelo Christian and his team.

Our mortgage was a GIFT OF EQUITY style loan. THESE DO EXIST AND ANGELO CHRISTIAN CAN GET IT DONE!!!!!!!

I absolutely 100% recommend First Savings Bank to anyone that has been rejected by other institutions. We will be forever grateful for their hard work and helping our dream come true!!!!

Darin Lane

Propel Your Career With First Savings Bank

Branch Opportunities

With access to the best technology in the business, competitive rates, and loan servicing that consistently exceeds clients’ expectations, our branch managers are fast-tracked for success. Read More..

Loan Officers

We don’t just hire loan officers, but we continuously groom your career for advancement. This is done through progressive training that keeps you on the top of your professional game. Read More..

Real Estate Agents

From two-way client referrals and helping to grow both of our businesses, we value our relationships with agents. We invite you to partake in our co-marketing program so we can enjoy mutually-rewarding benefits. Read More..

Let’s Get You Pre-Approved For Your Mortgage or Refinance Today!

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