Stay safe from higher rates and lock your rate in for 60 or 90 days.1
Theresa Waldo
Theresa Waldo
Why I am a Mortgage Lender
I am passionate about going above and beyond to make sure the process is easy because there are times when getting a mortgage and moving can be stressful. Whether buying a first home, vacation home, downsizing, or refinancing, I am here to seamlessly walk my customers through the process, keeping them informed every step.
My Experience
I have been with FNBO since 1995! I started as a teller, became a personal banker, and then, found my “home” in the mortgage department. Other than FNBO, my only other job was at Dairy Queen in high school.
Interesting to know
I have three young children who are quite active in softball, basketball, football, parkour, and cheer. Needless to say, I spend a lot of time on bleachers watching my kids do what they love, and I enjoy every minute. Oh, and I won a spelling bee in fifth grade!
We'll Guide You Home
Lock & Shop Rate Security
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.
Contact Us
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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.