Home Loans

FNB Applications Center man on computer man on computer

Mortgage Loan Options

With the right mortgage plan, your dream can come true. Thatís why we are proud to specialize in Simple. Secure. Smart. mortgage options.

First National Bank is pleased to provide affordable loan plans that will fit just about every financial situation.


Fixed Rate Mortgages

  • Offers the comfort of steady payments
  • 15, 20, and 30 year term options
  • Interest rate does NOT change during the life of the loan

Learn More about Fixed Rate Mortgages Here

Guaranteed Rural Housing (USDA)*

  • No down payment
  • Fixed rate for 30 year term
  • Loans may be made up to the properties appraised value
  • Ideal for those who have set incomes

WHEDA Advantage*

  • Down payment can be a gift
  • Minimum closing costs
  • 30 year fixed interest rate
  • No primary mortgage insurance required

FHA Mortgages*

  • 30 year fixed rate
  • Minimal down payment, may be gifted 
  • No income limits
  • Not limited to first time home buyers

Federal VA Mortgage*

  • Guaranteed by the federal government
  • Available for qualified Armed Forces personnel, active military personnel, veterans or their widows
  • Allows flexibile credit standards

Construction Loans

  • Low interest rate
  • Interest only payments during construction phase
  • Easy transition to First National Bank end loan


To talk about your options Contact a Mortgage Specialist or  Apply Now


* Subject to funding availability