Chris Haugan

Why am I a Mortgage Lender?

I have a passion for serving people. I put my customers first and help in any way I can. That’s what makes my role at FNBO so rewarding. As a mortgage loan officer, I feel great pride when I take what can be a complex homebuying or refinancing experience and make it feel easy. Building trust by listening to and caring for my customers is my goal.

My Experience:

Prior to becoming a mortgage lender, I spent time as a teacher and as a pastor which both provided the ideal foundation for the work I do now, supporting homeowners.

Interesting to Know:

I am married to my wonderful wife, and we have four children: two daughters and two sons. In 2020, we moved a few miles outside of Sioux Falls and since then I’ve fallen in love with bird watching (that’s when you know you’re getting old). Last year, I took my sons to their first Packers’ game, and we got to meet running back, Aaron Jones.

We'll Guide You Home

Lock & Shop Rate Security

Stay safe from higher rates and lock your rate in for 60 or 90 days.1

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.