Mortgage & Home Loans From First National Bank of River Falls

Finance your new home or remodel with FNBRF

First National Bank of River Falls is proud to offer several home mortgage, home loan & home construction loan options. We're here to make the home of your dreams a reality! Our skilled team of local lenders provide local servicing on most mortgages and are eager to walk you through the buying process.

Mortgage Loan Options


  • Steady Payments
  • Options of 10, 15, 20, or 30 year terms
  • Interest rate does not change during the life of the loan


  • No down payment
  • Insured by the federal government
  • Fixed rate for 30 year term
  • Loans may be made up to the property's appraised value
  • Ideal for those who have set incomes
  • Available in qualifying areas


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


Available for:

  • Qualified Armed Forces personnel
  • Active military personnel
  • Veterans or their surviving spouse


Available for low to moderate income borrowers.

  • Low down payment option
  • Stable/fixed monthly mortgage payments
  • Flexible closing cost funding options
Construction / Remodel Loans

Building a new home or updating an existing one is very exciting! Financing new construction requires a special type of mortgage loan. First National Bank of River Falls will personally guide you through this process, while you take advantage of:

  • Low interest rates
  • Interest only payments during construction phase
  • Easy transition to a First National Bank of River Falls end loan

Meet Our Mortgage Lenders

View Bio

Deb Volkert

Mortgage Lender

River Falls Office
NMLS# 655385
Contact Deb
Deb Volkert

Mortgage Lender

Phone: 715.426.3142
Office: River Falls Office
Email: Deb Volkert
NMLS#: 655385

Deb’s been a familiar face at FNBRF for over 40 years serving in many areas of banking including Mortgage Loans. She and her husband live outside of Hammond where they raised their three, now adult, children. Outside of FNBRF, you might find her keeping up with her grandchildren, hunting whitetail and turkey, snowmobiling and four-wheeling, or canning produce fresh from her garden. A peaceful day at the lake is one of her best ways to relax. She’s also active at her church in Hammond and volunteers regularly at the United Way’s Food Resource Center. Deb has a knack for working through complex mortgage loan situations finding the right loan and rate for each customer. Accomplishing just that brings her great joy and shows the community bank difference.

View Bio

Scott Murphy

Mortgage Lender

Prescott Office
NMLS# 684039
Contact Scott
Scott Murphy

Mortgage Lender

Phone: 715.262.8365
Office: Prescott Office
Email: Scott Murphy
NMLS#: 684039

Scott is a graduate of Prescott High School and UW-River Falls, and calls Prescott home with his wife and seven children. While Scott’s assisted customers find the right Mortgage Loan for nearly 20 years, he also enjoys working as a butcher. When not working with customers on their mortgage needs, Scott can be found coaching youth sports and cheering on his children in their activities around the community. He’s a proud founding member of the Prescott Area Food Pantry and is thankful for the void they’re filling for many in the community. Scott enjoys assisting his neighbors, friends, and fellow community members with their financial needs. To Scott, that’s what community banking is about— helping people whom you see often in the community with their needs. He also appreciates FNBRF’s community focus and the support they provide to so many initiatives.