Mortgage Loans

Get the mortgage loan you want with the services, technology and conveniences that make banking easier and life in your new home, even better.  It's just how we think about banking and customers here at 1st National Bank - customers first.  We promise to help you Bank your bestTM!  We are honored to be everything you need and expect from your bank.

Picture of house for sale

Our Loans

  • Conventional Loan - The most common mortgage, a Conventional Loan, requires a minimum of 5% of your own money down.  Such loans tend to have attractive rates, however, private mortgage insurance is required on loans with less than 20% down.  Ask about our "Lender Paid Mortgage Insurance."  We can eliminate it forever.  Maximum Conventional Loan amount is $424,000.

  • FHA Loan - The Federal Housing Administration is an agency established by the U.S. Government whose primary function is to insure residential mortgage loans.  FHA allows you to make a down payment of 3.5%.  This money can be a complete gift from a relative.

  • USDA Loan - U.S. Department of Agriculture offers rural development loans for homebuyers.  This loan has income restrictions and requires that the home is located in a qualifying area considered rural/suburban.  These loans require zero (0) down payment.  Rates are very low.

  • VA Loan - VA Loans, involving the U.S. Department of Veterans Affairs, are available to veterans and current military personnel and usually require zero (0) down payment.  VA loans have favorable rates with no mortgage insurance.  You must be eligible for this VA benefit to take advantage of this product.

  • Jumbo Loan - For Jumbo Loans, from $424,101 to $2,000,000, we offer very attractive fixed and variable rates.

  • Construction Loan - Building that dream home?  We have conventional loans requiring as little as 5% down.  Rates are very low and interest only during the construction period.

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