Discover the Ideal Mortgage Loan for Your Unique Needs and Lifestyle

Get your dream home with a home loan that fits you. At 1st National Bank, we make banking easy and put you first. Whether it’s your first home or a vacation getaway, we offer unbeatable rates and top-tier service.

Contact us now to find your perfect home loan. Bank your best™ with 1st National Bank!


HOMEPOSSIBLE

The HOMEPOSSIBLE Program helps make homeownership affordable, especially for first-time homebuyers with benefits like:

  • Low 3% down payment
  • Lower interest rates

Learn More or Apply Now!

Federal Home Loan Bank – Welcome Home Program

1st National Bank’s FHLB Welcome Home Program offers down payment and closing cost assistance for affordable housing. Apply today to see if you qualify for grant funding and government-backed support.

  • Down payment assistance
  • Closing cost assistance
  • Government backed
  • Grant money

Learn More or Apply Now!

Fixed Rate Mortgage

1st National Bank offers fixed-rate mortgages with stable interest rates and monthly payments, making budgeting easier. Benefits include:

  • Competitive interest rates
  • Flexible down payment options
  • A quick online application
  • Personalized local service
  • Options for first-time homebuyers and refinancing

Learn More or Apply Now!

New Construction Mortgage

1st National Bank supports your journey to build your dream home with:

  • Competitive rates
  • Flexible terms
  • Expert guidance
  • Local decision-making
  • As a trusted community bank, we’re committed to helping make your vision a reality

Learn More or Apply Now!

VA Mortgage

We proudly offer VA loans for veterans and their families, providing affordable financing and personalized service to achieve homeownership. Benefits include:

  • No down payment
  • No PMI
  • Flexible credit requirements
  • Local expertise supported by a specialized mortgage team for a seamless experience

Learn More or Apply Now!

Jumbo Loan

A jumbo mortgage allows you to finance high-value or luxury properties beyond FHFA conforming loan limits. Benefits include:

  • Competitive rates
  • Flexible terms
  • Local expertise
  • Personalized service

Learn More or Apply Now!

FHA Loan

FHA loans are perfect for buyers with limited savings, higher debt-to-income ratios, or lower credit scores. Benefits include:

  • Low down payment
  • No income limits
  • Flexible credit and DTI requirements

Learn More or Apply Now!

USDA Loan

1st National Bank offers USDA loans to support homeownership in rural and suburban areas. Benefits include:

  • Zero down payment
  • Competitive interest rates
  • Flexible credit requirements
  • 15 and 30 year loan terms

Learn More or Apply Now!

Adjustable Rate Mortgage

An adjustable-rate mortgage (ARM) features an interest rate that adjusts with market conditions, starting lower than fixed-rate mortgages. Ideal for those seeking lower initial payments or planning to move or refinance soon. Benefits include:

  • Competitive rates
  • Flexible loan terms
  • Local expertise
  • Personalized service

Learn More or Apply Now!

Try our free Mortgage Calculators

See how much house you can afford!

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Adjustable Rate Mortgage

This calculator helps you to determine what your adjustable mortgage payments will be.

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ARM vs. Fixed Rate

Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

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Bi-Weekly Payments

Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.

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Maximum Mortgage

Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.

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Mortgage APR

Use this calculator to find the APR on your mortgage.

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15 vs. 30 Year

Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.

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Early Payoff

Use this calculator to determine your monthly payment and amortization schedule.

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Mortgage Points

Save thousands of dollars in interest by increasing your monthly mortgage payment.

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Mortgage Qualifier

Can you buy your dream home? Find out just how much you can afford.

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Refinance Breakdown

Should you refinance your mortgage? Use this calculator to determine when you will breakeven.

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Refinance Interest Savings

Use this calculator to see how much interest you can save by refinancing your mortgage!

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Rent vs. Buy

Are you better off buying your home, or should you continue to rent?

Still have questions about our Home Loans? Have us contact you.

*1st National Bank NMLS# 807212. All loans subject to credit approval.