Home Loans & Mortgage Rates

Home Loans & Mortgage Rates

At First National Bank and Trust, the home loan process is simple and loan decisions are quick. When you apply for a home loan with us, decisions are made in-house and we’re committed to providing you with the highest level of customer service. Got 15 minutes? We can get you ​pre-qualified now!

FNBT Offers a Full Range of Home Loan and Home Equity Loan Programs

Ae you looking for a mortgage loan? First National Bank and Trust offers a full range of mortgage and home loan options. Whether you’re a first-time homebuyer interested in our Downpayment Plus program, building a custom home construction, or refinancing your home, we have a solution that’s right for you. Learn more about how to save for your downpayment today and our home equity line of credit program. 

All FNBT Home Loan Programs Offer:

  • Competitive home mortgage interest rates
  • Local decision-making & processing 
  • Pre-approvals for home loans
  • Easy online payment options through FNBT online banking or SameDayPay
  • Here’s 5 questions to consider when purchasing a new house.

Types of Home Loans We Offer:

Conventional Mortgage Home Loan

This is the classic mortgage loan. The interest rate is maintained throughout the entire life of the loan. Perfect for those who prefer predictability in their mortgage payment.

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ARM Loans (Adjustable Rate Mortgage)

An Adjustable Rate Mortgage is the one-size-doesn’t-fit-all option. The mortgage interest rate with an ARM loan changes over time, meaning that the monthly payments can go up or go down. It can be a great option if you are a homeowner who does not plan to be in your home for a long time.

Read about:   What Does FHA Stand for & Mean? | Home Guides

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FHA Loans for First-time Homebuyers

With WHEDA FHA loans and 97% LTV conventional loans, first-time homebuyers will enjoy lower down payment requirements than homebuyers with conventional mortgages.

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Downpayment Plus Program

FNBT’s Downpayment Plus Program is a special program that provides down payment and closing cost assistance to low and moderate-income households. Learn more about FNBT’s Downpayment Plus Program here.

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Rural Development Loans

This USDA sponsored program is ideal if you’re a homebuyer looking to purchase in “rural defined population service areas” and meet certain income requirements. FNBT is proud to play an award-winning part in financing home purchases in rural areas.

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Home Equity Loans & Lines of Credit

Put the equity in your home to work for you. Choose a home equity loan if you need funds all at once or line of credit if you prefer flexibility. You can borrow as much as you need up to your maximum credit limit over a period of time. No upfront costs or fees.**

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Jumbo Mortgage Loans

For well-qualified buyers seeking loans exceeding the conforming loan limits, we offer jumbo mortgage loans with various terms of agreement.

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Lots & Construction Loans

If you’ve decided that building a house is the way to go, use our lot and construction loans to obtain funds before your home is complete and make interest-only payments during construction.​

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​​​Home is where dreams are made. We’ll find the right financing option for you. Use our easy mortgage calculator to estimate your monthly mortgage payment. Start your ​pre-qualification online now, check our current mortgage rates, or contact us to get started! 

Read about:   Mortgage Pre-approval vs. Pre-qualification | MakingCents


Read what our customers are saying about their lending experience with FNBT.

*SameDayPay may be used to make electronic loan payments from a non-FNBT account. Payments can be made immediately, set up in advance, or scheduled for recurring payments. Transactions can be monitored online and payments made before 4:30pm CST M-F are credited to your loan the same day. There is a $7.50 fee for each payment made using SameDayPay.

​Not all borrowers qualify for all programs, must meet underwriting guidelines and are subject to credit review and approval. Loans are subject to buyer and property qualification.

** There are no required application fees or closing costs for a home equity loan or line of credit. If the loan or line of credit is closed within the first 36 months, First National Bank and Trust reserves the right to recapture the closing costs and fees.

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