Mandy Ostdiek

Why am I a Mortgage Lender?

The best part about being a mortgage originator is assisting clients when they are purchasing what is often their largest investment. From first-time homebuyer, to second homes and refinances, I pride myself on providing customers with a loan program best suited to their needs.

My Experience

I’ve been with FNBO for more than 15 years. Most of those years, I was a personal banker, building long-lasting relationships with customers – from opening their first checking account to helping them finance a car. A few years ago, I joined the mortgage team and continue to build upon those relationships and my love of this community. When customers think of FNBO, I want them to think of me as well.

Interesting to Know

When I’m not in the office, you can find my family and me camping, boating, or just enjoying the outdoors. My kids keep me grounded but busy. I’m involved with several non-profits in the community and enjoy finding ways to give back to the town in which I grew up.

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.