Stay safe from higher rates and lock your rate in for 60 or 90 days.1
Brad Hamel
Sr. Manager, Mortgage Sales, Consumer Direct
NMLS#: 8656
Brad Hamel
About:
When I first entered the mortgage industry, it was just a job. I expanded my product knowledge and truly became a student of the business. Now, the satisfaction I receive from being my client’s trusted advisor inspires me to start every day.
Experience:
I have been in the mortgage industry since 1997 and have served in various capacities from loan officer to executive management. With more than 26 years of experience in the mortgage industry, I concentrate on helping my clients choose the best loan product to meet their goals. Home financing is one of the biggest financial commitments you are going to make. You need a seasoned home loan consultant who is on top of this ever-changing industry. I can explain your options, help you navigate through the process and provide you with a great customer experience.
Interesting Fact:
I am an avid fan of college sports, especially football. Golf is my favorite past-time. I thoroughly enjoy playing 18-holes with my two sons on a beautiful day.
We'll Guide You Home
Lock & Shop Rate Security
Mortgage Options
Down Payment Options as Low as 3-5%.
Competitive Rates
Competitive mortgage rates help save you money over the life of your loan.
Dedicated Loan Officer
Let your dedicated mortgage loan officer answer all of your questions and provide peace of mind - start to finish.
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Important Information
1 First National Bank's Lock & Shop program locks the initial interest rate for 60 or 90 days on 15 and 30-year conventional, 30-year FHA and VA fixed-rate purchase loan products. Your exact interest rate will depend on the date you lock your rate. In order to obtain this rate, a fully executed purchase agreement must be received by First National Bank within 30 calendar days of a 60 day lock or 60 calendar days of a 90 day lock. You will have the option to extend the due date for the purchase agreement and the rate lock expiration one time by 15 days. In addition, you may exercise a float down in the rate to the current market rate within 7 calendar days of executing a purchase contract. Please contact your loan officer to exercise this float down option. Additional fees, conditions or exclusions may apply. This is neither a commitment to lend nor an approval of the loan inquiry. Any change in rate or fees may affect approval of the loan.
The calculator is provided for your convenience. Calculators are designed to be an approximation using information you provide. Such information is not part of any credit application with us. The accuracy of this calculator and its applicability to your circumstances is not guaranteed and actual results may vary. This calculator is not intended as an advertisement, a disclosure under any consumer law, an offer to make a loan, or an offer of any advice. You should obtain personal advice from qualified professionals. This calculator does not guarantee the availability of any particular product or interest rate and some of the products described in the calculator are not available through us.