Tanner Jepperson

Why am I a Mortgage Lender?

My goal for every customer is to make sure they know all their options and have the right product for their financial situation and aspirations. Every customer is different; therefore, every story is different. I want the people with whom I work to know that I will be here from start to finish—supporting them throughout the process.

My Experience

In 2015, I started my career at FNBO as a personal banker. I made the move to the mortgage team in 2017, where I was a loan officer for direct sales. In 2019, I worked in management system sales for about a year, and decided my heart was truly in mortgage lending. I worked for six months processing mortgage loans, and then made the transition back to mortgage sales. I couldn’t be more excited!

Interesting to Know

In my free time, you can find me playing and watching any type of sport. I also enjoy spending time with my wife, our two children, and two dogs – a black lab and a chocolate lab.  

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.