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Monique Thomas

Monique Thomas
Monique Thomas

Ohio resident Monique T. saw the opportunities for her family that homeownership could create. So she made it happen for herself and her three teenage daughters, with a little support from our mortgage team.


Solutions for Buying Your Home

Buying a home is a big deal, which is why we make a big deal out of helping you buy yours with confidence, so the home you love is the home you can afford. Borrow with First Commonwealth Bank to make the most of your financial situation when you're ready to buy.

Down Payment Assistance

With our First@Home1 program, first time home buyers can get the home of their dreams, even if your budget is tight and building a solid savings account has been tough. First@Home provides:

  • Down payment assistance with solutions as low as 1%.
  • Closing cost assistance.
  • Financial confidence planning and resources.
  • Credit repair counseling.

Home 100

This innovative program offers flexibility in down payment options for qualified borrowers.

  • 80% first mortgage with up to a 20% second mortgage
  • Competitive fixed rates
  • No Private Mortgage Insurance
  • Financial confidence planning and resources

FHA Mortgage Loans

Housing Finance Agencies exist to provide affordable housing for eligible families, giving you more options for buying your first home.

  • In Pennsylvania, the PHFA provides mortgage options through conventional and FHA loans, including fixed interest rates that won't change, and you may also receive assistance with closing costs and down payments. Income, prior ownership and asset restrictions do apply.
  • In Ohio, the OHFA also offers a mortgage tax credit, as well as down payment assistance programs.

Apply for a Mortgage


1 First time home buyer program (no primary residence ownership within the past three (3) years). Product and eligibility guidelines apply, including credit and household income requirements. Product may not be available for your situation.

Grandfather and older grandson laughing

Building Your Financial Confidence

We exist to improve the financial lives of our neighbors and their businesses and we do this through equipping our employees and our customers with four life-changing habits of managing, saving, borrowing and protecting their money.

We also understand that keeping your finances in order can be daunting and difficult. We would love to help you no matter where you are in your financial journey. Take a few minutes to explore our Resource Center, or contact us directly. We'll take one step at a time together to improve your financial confidence.