Our branches will be closed on Monday, May 27 in observance of Memorial Day. 

Michael Urbom

Why am I a Mortgage Lender?

My wife and I built our first house in Arizona, and I’ll always remember the feeling we had putting together colors, styles and amenities while watching each step of the process. We would meet after our respective day at the office, with a picnic basket, and have dinner at our new house during each phase of construction—starting with the foundation, framing, roofing, interior, etc. Until finally, we were enjoying those moments in our finished home! I joined FNBO mortgage to help others experience both the joy of homeownership and watching their investment grow as a financial foundation for their future.

My Experience

For over 26 years, I have been dedicated to helping my friends and clients with all their needs, as a trusted advisor, in everything from investments to furnishings for their homes.  I am looking forward to the next 26 years advising our clients on their greatest investment, find a way to purchase that new home or ensure their home is working for their maximum wealth.

Interesting to Know

I was born and raised in Fort Collins, graduated from UNC (GO BEARS!) and have lived here my entire life—with the exception of the six years I spent in Arizona. I am married to my High School sweetheart and best friend, Sandi. We are blessed with two daughters, Ashley and Lexi, who are both in college.  When I am not working, you will typically find me reading at Barnes and Noble, pretending I am PGA-worthy on the golf course, or spending time with my family.

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.