The First International Bank & Trust offers the following loan programs:

1. Mortgage Refinance: Allows homeowners to replace their existing mortgage with a new one, usually to secure a lower interest rate or better loan terms.

2. Debt-to-Income Mortgage: Considers the borrower's debt-to-income ratio as an important factor in determining loan eligibility and interest rates.

3. Mortgage Calculator: Helps estimate mortgage payments by considering factors like home price, down payment, loan details, taxes, insurance, and HOA fees.

4. Advanced Options: Provides additional features and details for customizing loan terms based on specific borrower preferences.

Note: No content is provided regarding specific details or terms for each loan program.