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Home Mortgage Loans

Your home purchase is as important to us as it is to you. You might need a traditional mortgage and we can help with that. Or, you might have a unique situation, home or property that is hard to find financing for…we have good news! We can help with that too!


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Home Equity Special going on now!

6 month Introductory Rate of 1.95% APR then as low as 5.25% APR for all approved borrowers with a Variable Rate Line of Credit or as low as 5.24% APR for all approved borrowers with a Fixed Rate Line of Credit. Special is valid through December 31, 2018.

*Read qualifying information below for details

 

18-Day Mortgage Guarantee

When you find the home of your dreams you want to move in fast, and we get that!

 

We have an 18-Day Mortgage Closing Guarantee where you can close on your

home purchase in 18 days or less or we pay YOU $500*!

 Contact a Mortgage Originator

*Certain restrictions apply. 18 Business days, Monday through Friday only. Offer subject to change. All loans subject to credit approval.

 

Home Equity Special Important Qualifying Information

Introductory Variable Rate

*Upon qualification. Variable Rate Lines of Credit: When opened the introductory Annual Percentage Rate (APR) will be 1.95% APR for 6 months. Beginning with the next month’s payment, the variable rate APR is as low as Prime and is currently 5.25% as of 10/09/2018. Rates may vary and are indexed to the most recent Index value available to us as of the 10th of the month as published in the Wall Street Journal. Applicable interest rate varies depending on your credit qualifications and loan to value ratio from a variable APR of Prime (currently 5.25%) to Prime +3.00% (currently 8.25%). The maximum APR will not exceed 18%, or the state usury ceiling, whichever is less. $5,000.00 minimum credit line and 10 year term. Closing costs of $250 will be waived when your primary personal checking account with direct deposit is at First National Bank. $50 annual fee waived for first year. Existing customers must have minimum $5,000 balance increase and will have a $75 rewrite fee. Terms and conditions subject to change without notice. Limited time offer. Consult tax advisor regarding deductibility of interest.

Introductory Fixed Rate

*Upon qualification. Fixed Rate Lines of Credit: When opened the introductory Annual Percentage Rate (APR) will be 1.95% APR for 6 months. Beginning with the next month’s payment, the fixed rate APR is as low as 5.24% and is currently 5.24% as of 10/09/2018. Applicable interest rate varies depending on your credit qualifications and loan to value ratio from a fixed APR of 5.24% to 8.74%. $5,000.00 minimum credit line and 5 year term. Closing costs of $250 will be waived when your primary personal checking account with direct deposit is at First National Bank. $50 annual fee waived for first year. Existing customers must have minimum $5,000 balance increase and will have a $75 rewrite fee. Discounts may apply. Terms and conditions subject to change without notice. Limited time offer. Consult tax advisor regarding deductibility of interest.

Home Mortgage Loan Options

Purchasing a home is a major decision and not all loans or situations are the same. A member of our mortgage team will get to know you and your mortgage needs. From there they will recommend one of our traditional or specialized mortgage programs to best meet your individual needs. We’ve highlighted a few of the programs below.

Options Include but are not limited to:

Options

Traditional Home Loan

First Time Home Buyer Program

Rural Living Home Loan

Property Types

Single Family Homes

Single Family Homes

Large rural property, family farm, and other unique properties including shed homes

Terms Available

10, 15, 25, 30 year terms

Options available

Long term options available

Down Payment

20% down to avoid private mortgage insurance; but options as low as 3% down

As low as 10% down; up to 7% can be a gift

20% down payment

Application Fees

No fee

No fee

No fee

Loan Maximums

Up to 97% loan to value

Up to 90% loan to value

Up to 80% loan to value

Prepayment Penalties

No penalty

No penalty

No penalty

Get Qualified

Get a preapproval at no charge; approval good for 4-6 months

Get a preapproval at no charge; approval good for 6 months

Get a preapproval at no charge; approval good up to 4 months

VA, USDA, FHA and other specialized loans are also available

Get Started!

Construction Loan

Terms

Construction Loan

Property Types

New builds, renovations, or additions

Terms Available

Options available

Down Payment

Varies

Application Fees

No Fee

Loan Maximums

Up to 80% Loan to Value

Prepayment Penalties

No penalty

Get Qualified

Preapprovals good for 4-6 months

Based on the permanent financing desired, a one-time closing maybe available

Get Started!

Home Equity Line of Credit

Terms

Home Equity Line of Credit

Property Types

Variety

Terms Available

5 year fixed or 10 year variable

Down Payment

Varies

Application Fees

Up to $250

Rates

Fixed or variable

Loan Maximums

Up to 90% loan to value

Prepayment Penalties

No penalty

Get Qualified

Preapprovals good for 6 months

Based on the permanent financing desired, a one-time closing maybe available

Get Started!

Mortgage Specials Available!

Buying a home soon? Want to save some money too? Good news! We have some great Mortgage Specials going on right now and they are sure to help your home buying dreams a reality!

SAVE $995 on your closing costs with a qualified mortgage with FNB!*

First Time Home Buyer? We have several options available for you that include:

  • Low down payments
  • No PMI**
  • No title insurance**

Speak with one of our Mortgage Experts to learn more!

Contact Us

 

*Certain qualifications must be met. All loans are subject to credit approval. Waived origination fee applies to Fannie Mae eligible loans only. Primary checking accounts, direct deposit and auto pay must be set up for monthly mortgage payment with First National Bank. Special is valid through 12/31/2018 and requires the loan to be closed no later than 01/31/2019. NMLS#433461

**Certain qualifications must be met. All loans subject to credit approval. Primary checking required with direct deposit. Escrow of taxes and insurance required if down payment is less than 20%.

                                                                                              

 

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