First Community Bank of Cullman offers a variety of loan programs to meet your needs. Whether you’re looking to purchase, refinance or construct your dream home, our local lenders are here to help. First Community Bank of Cullman offers:

About First Community Bank

Construction Loans

  • Competitive Rates
  • Save on closing costs if First Community Bank finances both your construction and permanent loan

Conventional Loans

  • Conforming Fannie Mae and Freddie Mac mortgage loan products
  • Programs offering as little as 3% down payment for qualified homebuyers

FHA Loans

  • Insured by the Federal Housing Authority
  • Fixed Interest Rates
  • Require at least 3.5% down payment
  • Up-front mortgage insurance requirement
  • Monthly insurance premium

Home Equity Line of Credit

  • Put the equity in your home to work
  • Perfect for home improvements, college expenses, or debt consolidation


  • Also known as USDA Rural Development Guaranteed Housing Loan Program
  • Offered to rural property owners by the U.S. Department of Agriculture
  • Specific location qualifications and income limitations

VA Loans

  • Guaranteed by the U.S. Department of Veterans Affairs (VA)
  • Available to United States Veterans, Service Members, and Qualifying Surviving Spouses
  • Available for both purchase and refinance
**All loans subject to approval

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