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First National Bank Mortgage Loans

Expert advice. Flexible products.

We'll guide you home.

Buying a home is one of the largest financial decisions most people make, but it doesn't have to be intimidating. By working with a First National mortgage expert, you'll find answers to every question and find confidence during every step of the process. First National checking account customers receive a $200 mortgage closing cost credit - see a Mortgage Loan Officer for complete details.

Mortgage Rate Types

Click on the APR links for more information.

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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

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 is the mulit-tool that can lower payments, find funds for home projects and create an improved loan you feel good about.

  • Shorten term, lower rate, lower payment

    Maybe you want to pay off your home sooner or want a lower interest rate. By refinancing you can save thousands 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 created.
  • 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 can switch to a fixed mortgage for a predictable monthly payment.
  • Remove mortgage insurance from your payment

    Many people are required to pay mortgage insurance if their down payment was less than 20%. However, as you pay off more of your loan and reach 20% ownership, you can refinance and eliminate mortgage insurance from your monthly payment.

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

*Contact a Mortgage Loan Officer for complete details and additional information. Rates, payments and points are examples based on specific criteria. Your rate, payment or the amount of points you will need to purchase to receive a specific rate may vary from the example. This is due to changes in loan amount, loan program, loan to value, credit or other circumstances. Click on the APR links above for more information. Rates, origination fees and discount points are subject to daily fluctuations and may change without notice. Terms and conditions based on approved credit.