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Houses Move Fast...So Do We.

First-time homebuyer? Don't be nervous. We're here to help you through the process.

Since 1903, First National Bank has been helping Iowans just like you buy their first home. We understand that buying your first home can be exciting and overwhelming at the same time. That's why we offer the people, tools and resources to help you through every step of the home-buying journey. Whether you're just starting to save or have your eye on a home, we're ready to help.

A House is More Than a House, It's a Home

Apply Online   Finish Your App/Check Loan Status  Contact a Lender

Why First-Time Homebuyers Prefer First National Bank

There are a lot of mortgage lending institutions, even faceless out-of-state options. But with First National Bank, our knowledgeable and trusted mortgage bankers have your back. We look out for your best interests. And we know local real estate agents, builders, inspectors, and appraisers, which helps you close on your new home even quicker.


Quick & Easy Prequalification

Qualified buyers can quickly and easily get prequalified for a loan so they are ready to make an offer. 


Personalized Service

Our lenders receive high marks for responding quickly, helping customers through every step of the process, and listening to their financial needs.


Suite of Loan Options

There is no one-size-fits all loan for homebuyers. We offer a suite of options with varying down payment and credit score requirements, as well as loan terms. 



Honesty, integrity, and someone you can trust defines the characteristics of our lenders who provide customers with straightforward professional advice. 

First-Time Homebuyers Educational Hub

First National Bank offers several free, online educational resources and tools to help you get off to a good start on the homebuying journey and determine your financial readiness. Learn more about evaluating when it's time to buy a home, getting started with the homebuying process, picking the best mortgage loan type to meet your financial needs, and navigating the closing process.   



Free, online financial education to help you get prepared to make your first home purchase.

Start Learning


First-Time Homebuyer's Guide

Step-by-step, everything you need to know and do before buying a house.  

Free Download


Mortgage Loan Roadmap

One of the most common stress triggers during the homebuying process is unfamiliarity with the mortgage loan process. By understanding the process, you'll feel more empowered and "in-the-know" throughout each step. In this video, we take you on a short journey along the Mortgage Loan Roadmap and break down the mortgage lending process into 11 steps, which will hopefully help keep the stress at bay. 

We're Here to Help. Questions? Need Help With Your Application?


Sara Lehman

Vice President Mortgage Loan Officer, Ames
Ph. (515) 232-5561
NMLS #: 609248

Email Sara


Dona McMasters

Vice President Mortgage Loan Officer, Ames
Ph: (515) 232-5561
NMLS #: 591518

Email Dona


Vicki Halvorsen

Vicky K. Halvorsen

Senior Vice President, Osceola
Ph: (641) 342-6581
NMLS #: 745275

Email Vicky

Nicole Jacobson

Nicole Jacobson

Vice Pres. & Loan Officer, Osceola
Ph: (641) 342-6581
NMLS #: 999221

Email Nicole

You've Got Questions, We've Got Answers

Buying a home is one of the biggest financial decisions of your life. We want you to feel comfortable asking any questions that comes to mind throughout the loan process. Let's start with Buyers' Top 6 Questions. 

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