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Mortgage & Refinancing Loans

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Competitive Rates. Expert Guidance. Personalized Service. 

Your home means everything to you. Choose a home lending partner that understands and has been in business since 1903.

We help customers buy, build, remodel, and refinance houses every day, and we'd love the opportunity to earn your business. 

In addition to the loan options listed on this page, we also offer Bridge Loans for those caught between selling their existing home and buying a new one; and Construction Loans for those who want to build a home.  

First National Bank's Digital Mortgage Application Experience

We make it easy to get into your new home with our Digital Mortgage Application Experience.

If you're considering buying a home, but want more information before applying, contact one of our friendly lending experts or check out our home-buying resources below.   

When you're ready to prequalify for a mortgage loan or finance your new home:

  1. Compare the loan options below and select a loan option that fits you!  
  2. Use the "APPLY NOW" button to begin the application process. Your mortgage lender will be by your side throughout the application process
  3. Come back to check your loan status

Home Mortgage Loan Options

Conventional Loans

Conventional Fixed-Rate Loan

  • Up to 97% financing
  • Borrower to pay private mortgage insurance (PMI) if making less than a 20% down payment; can cancel PMI once you’ve gained 20 percent equity in your home
  • Fixed-rate loan
  • Choose loan term of 10, 15, 20 or 30 years
  • No application fees
  • No prepayment penalty
  • If you already have a mortgage and want to refinance for a different interest rate or different loan term, this loan may also be a good fit.

Apply Online

Balloon Loan

Balloon Payment Loan

  • Up to 80% financing
  • A balloon payment loan is a mortgage that does not fully amortize over the term of the note, thus leaving a balance due at maturity. The final payment is called a balloon payment because of its larger size.
  • 15-year fixed rate
  • 30-year amortization (The longer amortization benefits the borrower with a lower initial rate and payments are spread over a longer term.)
  • Balloon payment due at loan maturity
  • Qualified borrowers can refinance their loan when it matures at the current rate

Apply Online

FHA Loan

FHA Loan

  • Up to 96.5% financing
  • Loan guaranteed by the Federal Housing Administration (FHA)
  • Fixed-rate loan
  • Choose loan term of 15 or 30 years
  • Upfront mortgage insurance premium required
  • Monthly mortgage insurance premiums, along with monthly loan payment
  • Property condition requirements

Apply Online

VA Loan

VA Home Loan

  • Up to 100% financing
  • Loan guaranteed by the US Department of Veterans Affairs (VA)
  • For active-duty service members, former member of the armed forces, or spouses of service members who died in the line of duty or as the result of a service-related disability with certificate of eligibility
  • Fixed-rate loans available
  • 15- and 30-year options
  • No mortgage insurance required
  • One-time funding fee at closing

Apply Online

Rural Home

USDA Rural Development Loan

  • Up to 100% financing
  • Guaranteed housing loan program by the U.S. Department of Agriculture
  • For low-income and very low-income individuals and families
  • 30-year, fixed-rate loan
  • 1.00 percent upfront guarantee fee
  • 0.35 percent annual fee
  • Loan limits and income eligibility are dependent upon the county where the homebuyer intends to live

Apply Online

Homebuyers' Resources

 Homebuyer's Guide


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

Free Download

Mortgage Loan Process


Additional Resources


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 Homebuyers' Top 5 Questions. 

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