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Home loans from First National bank come in all sizes and shapes. Your mortgage is originated right here at home, so you know exactly with whom you are dealing. Whether it is a construction loan, permanent financing, fixed rate, or variable rate, your hometown loan saves you money. Ask about our no-closing-cost option. Call today for a loan that works for you or click here to view our mortgage rates.
- Competitive Rates
- Low Closing Cost
- Terms Up To 30 Years
- Both fixed and variable rates
- Prompt and Local Decisions
- Local Service For Life of Loan
- Secondary Market Loans
- 100% Financing
- Fixed Rates Up to 30 Years
- Local Origination
We have loans to help finance the purchase of your new home or to refinance your existing home.
Mortgage Calculator
– Use our mortgage calculator to compute your monthly payment. Please
note – The calculator amount is an approximate value and may differ
from the bank’s final calculation.
Need money
for your child’s college, medical expenses, a much needed vacation, or
money to start a new business? You worked hard for your home, so why
not let it start working for you. We also offer a Home Equity Line of
Credit. See the section below for more information.
Our Home Equity Line of Credit* is a great way to finance the special needs in life. You can fund: home improvements, vehicles, vacations, educational expenses and many other purposes. Your credit line is based on the equity in your home. Once established, your Home Equity Line of Credit is a flexible, affordable source of credit that you may access as needed.
Consider these other great benefits.
- NO ANNUAL FEE
- TAX-DEDUCTIBLE INTEREST (in many situations, consult your tax advisor for advice about your situation).
- CLOSING COSTS MAY BE WAIVED - The waived closing cost offer is available on lines of $10,000 or more, with an initial advance of $10,000 or more. Call or come in for complete details and disclosure.
- LOW INTEREST RATE
The introductory interest rate during the first six months of your credit line will be only 1.9% APR (Annual Percentage Rate). After the initial rate, the rate will vary and will be 2% ABOVE the NATIONAL PRIME RATE. *1
- LOW MONTHLY PAYMENTS
The minimum monthly payments are only 1.5% of your balance or $25 whichever is greater. You can pay the monthly minimum or any amount above the minimum. Minimum monthly payments could result in a balloon payment. See a loan officer for full disclosure.
- FLEXIBLE TERMS
Even if you pay off your credit line you can access it at a later time. Your credit line may be re-negotiated at the end of the 5 year term.
- EASY TO ACCESS
Once established you will receive checks to access your credit line at your convenience. Your credit funds are available all at once or as needed in increments of as little as $300.
* Some restrictions apply including, application, final credit approval, and collateral requirements.
*1. The national Prime Rate is published in the Money Rates section of the Wall Street Journal, but the APR will never be greater than allowed by applicable law.
Your Home Sweet Home can be made sweeter. We make home improvement loans for any size project.
Want to build your dream home? Come in a let us help you purchase the
perfect lot or piece of land to make this dream come true.
Contact us and let First National Bank and your home start working for you.
Click here to jump Start the loan application process.
First National Bank • Equal Housing Lender • Member FDIC
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