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First National Bank Mortgage Loans

Expert advice. Flexible products.

A couple looking at the front of their new home

Get ready to make an offer

With a First National loan officer by your side, you’ll have another partner on the journey towards a new home. Questions are part of the process and he or she will have an answer for each.

Simple things to have on-hand or in-mind:

  • Tax Documents for proof of income
  • Have an idea of the price you're looking for

Lock & Shop

The First National Bank Lock & Shop program* offers peace of mind by locking in your rate 60 or 90 days. If interest rates go up, your rate stays the same. If rates go down, we will match the lower market rate.

  • Lock your interest rate for 60 or 90 days
  • Peace of mind - Shopping for a home without having to worry about interest rates for 30 (60 day lock) or 60 days (90 day lock) (Shop Period)
  • Ability to float your interest rate down within 7 calendar days of executing a purchase contract if rates are lower.

First Time Home Buyers

For many first-time buyers, the home purchasing process has a few unfamiliar steps. Not to worry, our Home Buying Process Quick Guide will give you the basics to begin with confidence.

Benefits for first-time buyers:

  • FHA Loans. Backed by the Federal Housing Administration, a lower credit score or smaller down payment is no longer a road block to home ownership.
  • VA Loans. A mortgage for veterans and service persons. The loan is guaranteed by the Department of Veterans Affairs (VA) and requires low or no down payment.
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Use interest rates and equity to your advantage

Refinancing can lower payments, generate funds for home projects and provide you with a loan that is right for your evolving needs.

  • Shorten term, lower rate, lower payment

    If you want to pay off your home sooner or want a lower interest rate, refinancing may save you thousands of dollars over the course of your term.
  • Refinance to use equity for home improvement

    Home improvement projects can increase the value of your home, and your home can help pay for projects when you utilize the equity you’ve built with your current mortgage.
  • Move from an adjustable rate to a fixed rate mortgage

    Adjustable rate loans provide lower rates that can increase over time. If your circumstances have changed, you may be able to switch to a fixed mortgage for a predictable monthly payment.

We'll Guide You Home

Lock & Shop Rate Security

Stay safe from higher rates and lock your rate in for 60 or 90 days.2

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.

Need more help? Find a Mortgage Loan Officer in your area.


Use Our Mortgage Loan Calculator

Before you begin to shop, get a solid idea about monthly payments and how much you can afford. Once you know your spending limits, your home search will have the focus it needs to succeed.

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Frequently Asked Questions

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Important Information

* 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.