MORTGAGE HOME LOANS
Buy your dream home or refinance your current one with a home loan. First National Bank offers competitive interest rates and flexible repayment terms with prompt origination and processing.
Conventional Mortgage
Buying or Refinancing? With a fixed rate mortgage, your mortgage interest rate, and your total monthly payment of principal and interest, will stay the same for the entire term of the loan. These loans are available in various terms ranging from 10 to 30 years.
Physicians’ Home Mortgage Program
Helping hometown heroes purchase a home. These loans offer up to 100% financing of purchase price*, competitive long-term rates, and no origination fee.
*Some restrictions apply. Subject to credit approval and program guidelines. First National Bank refinances not eligible. $5000 minimum loan amount.
VA Loan
VA loans help eligible service members, veterans, and surviving spouses become homeowners. Backed by U.S. Department of Veterans Affairs, these loans offer low to no down payment and mortgage insurance may not be required.
USDA Rural Development
USDA loans are mortgages insured by the U.S. Department of Agriculture as part of its USDA Rural Development Guaranteed Housing Loan program. These loans help low to moderate income buyers with the opportunity to purchase a primary residence in eligible rural areas.
Advantages include low fixed interest rates, options for no down payment, and low monthly mortgage insurance. In addition, buyers may finance their closing costs into their loan or receive seller assistance for minimal out-of-pocket costs. USDA loans are popular with first-time homebuyers.
FHA Loan
Insured by the Federal Housing Administration (FHA), these loans offer competitive interest rates, low down payments, and flexible credit terms. They are available for purchase and refinance loans. FHA loans are popular with first-time homebuyers.
Loan Application Checklist
Ready to buy your dream home? Please click on the Learn More button below to view a list of documentation that will be needed to complete your loan application.