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Adjustable rate loans

Adjustable rate loans from First Bank of Berne typically begin with a low, fixed rate for an initial term and adjust upward or downward. An adjustable rate loan is ideal if you need a large loan amount but want your payments lower initially. They may also be beneficial if you plan to move or refinance when the rate adjusts or if you expect your income to increase.


  • Portfolio in-house loans
  • 15% down payment
  • No PMI (Private Mortgage Insurance)
  • Competitive interest rates
  • Multiple repayment terms available

Fixed Rate Loans

Fixed rate mortgages have a constant interest rate so your monthly principal and interest payments do not change during the life and term of the loan.

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