Jason Larkins

Why am I a Mortgage Lender

Mortgage lending has given me the opportunity to combine my greatest strengths and joys and has afforded me a long-term career in which I excel. I get to know people and hear their stories and circumstances, and I put my experience to work by explaining complex processes in an understandable way. Helping people buy or refinance a home also allows me to utilize my financial background and numbers/math nerdiness to help them accomplish their aspirations by determining which home lending options support their goals.

My Experience

I have been in the mortgage industry for more than a decade and although I have many years in mid- and upper-management, for much of that time, I have been a loan officer. Prior to lending, I was a licensed financial advisor and Dave Ramsey certified counselor.

Interesting to know

I've been married since 2010 and have two young children. Back in my “glory days” I had a short-lived stint playing football for Kansas University and I am a huge KU football and basketball fan. I invest a lot of time raising our kids and being the best husband/dad I can be. When I am not going on adventures with or relentlessly chasing my kids, I can be found reading or dreaming of playing more golf, traveling the world, buying a large tract of land for ATV riding, hunting, and fishing.

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.

Calculate Your Monthly Payment

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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.