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First National Bank offers consumer loan options for every life situation.

We are local lending EXPERTS! First National Bank is committed to lending to qualified applicants in Iowa. If you need financing for a car or to purchase, build or refinance a new home or cover an unexpected major expense, First National Bank is a trusted, community bank. We have the expertise to develop a loan solution that's right for you. That's What Banking Should Be!

if you're considering that a loan might help you reach your goals, talk to a dedicated First National Bank loan officer. We offer online applications to help make the process simpler and quicker. You'll get a prompt response from our local decision-makers. 

If you have questions about any of the loan products offered, don't hesitate to contact us. 

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Home Loans

Home Loans

A home loan (or mortgage) is a secured loan that is obtained to purchase a home, condo or other livable property by offering it as collateral. 

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Construction Loans

Home Construction Loans

Go from construction to permanent financing with one simple loan package. These short-term loans provide funds required to build a residential property, typically one year in duration.

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Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) is a type of second mortgage that allows homeowners to borrow money against the equity they have in their home and receive that money as a line of credit. 

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Home Equity Loan

Home Equity Loans

 A home equity loan is a loan you take out against the equity you already have in your home. It gives you fast access to cash, with a predictable, long-term repayment schedule. 

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auto loans

Vehicle Loans

New and used vehicle loans for autos, trucks, motorcycles, and recreational vehicles. Easy, no-fee application. 

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Personal loan

Personal Loans

A personal loan is money borrowed from the bank that you pay back in fixed monthly payments, or installments, over a shorter term.  We offer both secured and unsecured personal loans. 

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Home Mortgage Refinancing Loans

A refinance allows you to pay off your old home loan and replace it with a new mortgage at a new term and a new rate. 

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Bridge Loan

Bridge Loans

Short-term financing used until a person secures permanent financing or removes an existing mortgage obligation. These loans are typically used when a person is selling their home and buying another.

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Student Loan Refinancing

Student Loan Debt Refinancing

If you are a physician, attorney, or other advanced degree holder practicing in Central Iowa, First National Bank offers a program for refinancing your federal or private educational loans. 

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