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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.

Contact Us

Tell us about your lending needs, and we'll reach out!

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We’re FNBO, and we strive to ensure the financial wellbeing of our customers.

  • FNBO is an independent and family-owned bank. With a heritage of banking excellence, dating back more than 165 years, we’re focused on the long view instead of the next quarter. It’s been our recipe for success for generations.

  • We never forgot the lessons of starting small. When FNBO opened in 1857, it was a local bank that served Omaha and the surrounding communities. We’ve since expanded into seven states and consider ourselves as a “great big, small bank” – big enough to provide the expertise and resources necessary to handle any financial need; small enough to personally know you.

  • Giving back is part of our DNA. We believe a bank can be a force for good in the world, and we are committed to helping build strong communities. We have the ability – and see it as our responsibility – to contribute where we can, and have used our success to invest millions back into the communities we serve.

  • More than 165 years of putting customers first. With so much experience meeting our customers’ financial needs, we’ve built a reputation for service few banks can match.

1 FNBO’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 upon the date you lock your rate. In order to obtain this rate, a fully executed purchase agreement must be received by FNBO 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 of 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 seven 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 input. 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.

Talk to your mortgage loan officer for complete details.

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