Mortgage Loans

Our dedicated and experienced group of mortgage specialists are committed to serving the wide range of our customer's needs. Our goal is to provide our customers with a loan tailored to fit their needs in a timely manner.

Buying a home is the single largest financial transaction most of us will ever make. At First National Bank & Trust we offer a variety of financing options.

Apply Online

Ready to start the home buying process? Our online mortgage application process is quick, easy and secure. Apply for a new mortgage to purchase a home or refinance your existing mortgage, and best of all- you can apply for a home mortgage when it’s convenient for you.

All online loan applications are reviewed locally by First National Bank & Trust and we will provide all the personal assistance and attention you need to help you through the mortgage process.

You can also use our financial calculators to help you prepare for your mortgage application.
  • Your monthly principal and interest payment will not change over the lifetime of your loan.
  • Different term options available
  • Available on new home purchases or the refinancing of your current mortgage
  • The interest rate on your mortgage will be fixed for a certain period of time, at First National Bank & Trust the terms are three or five years. At the time of the first rate adjustment, the interest rate can increase or decrease. Our ARMs follow the "two-six" formula. The interest rate can't go up more than 2% per adjustment period or more than 6% over the lifetime of the loan. Rates can go lower in certain cases.
  • Different term options available
  • Administered by USDA Rural Development
  • Allows eligible borrowers to obtain a mortgage for the purchase of qualified real estate for up to 100% (102% in certain cases) of the appraised value or purchase price of a home, whichever is less
  • No down payment is required.
  • At least one borrower has to be a first-time home buyer
  • Must be primary residence for all borrowers
  • 3% down payment
  • Education required through Freddie Mac's CreditSmart Homebuyer
  • 1 unit properties only and no manufactured homes
  • Private mortgage insurance is required
  • We can help you determine the amount you will save in interest costs over the life of your loan and the amount you will save on a monthly basis.
  • Other reasons for refinancing your current mortgage may include debt consolidation or remodeling.
  • With a No Closing Cost Mortgage*, you won't have to pay upfront closing costs for things such as an appraisal, underwriting and processing fees. You can control how much you pay out-of-pocket.

*No Closing Cost options are only available in fixed-rate purchase or refinance loans; may not be available on all loan types. You may still be required to pay interim interest, mortgage insurance or escrows. Contact one of our mortgage lenders for more information.


Why am I getting so many unwanted phone calls and credit card offers after I applied for a loan?

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