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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. We help customers buy, build, and remodel houses every day, and we'd love the opportunity to earn your business. We're proud to provide flexible mortgage loan options and personal services to you... our neighbors and friends.

You can expect responsive, personal service from experienced lenders who will work with you, one-on-one, throughout the entire mortgage loan process. You can expect timely responses to questions and regular communication from your mortgage lender so you always feel informed. You can be confident your mortgage lender will do everything possible to make the mortgage process straightforward and smooth. 

Financing Options

First National Bank offers a variety of personal real estate financing options. Please use the "Apply Now" link below to apply for either a traditional home mortgage loan; or want to refinance your existing home loan.

Visit these pages for information about or to apply for other real estate loan options: 


What Can You Afford? Estimate Your Monthly Payment.

Estimate how much my mortgage payment would be
Estimate the home value and monthly house payment I can afford

Additional Calculators


Get Into Your Dream Home

You can count on First National Bank for competitive mortgage interest rates and some of the lowest closing costs around. Contact one of our mortgage lenders today for 30-year, 15-year, and other current interest rates or to learn more about our mortgage process.

If you're ready to apply online, let's go. 

Have questions? Call one of our mortgage lenders listed below or complete the Contact Us form. 

Apply Online OR  Contact Us

Information You Need to Know About the Mortgage Loan Process

What You Will Need for Your Mortgage Application

Print Application

Finish Completing a Loan Application OR Check Loan Status

Mortgage Loan Process


Mortgage Lenders

  • Sara Lehman Sara Lehman Vice President, Mortgage Loan Officer, Ames
    Direct: (515) 663-3089
    Email: [email protected] 
    NMLS #: 609248
  • Dona McMasters Dona McMasters Mortgage Loan Officer, Ames
    Direct: (515) 663-3090
    Email: [email protected]
    NMLS #: 591518
  • Vicky Halvorsen Vicky K. HalvorsenSenior Vice President, Osceola
    Direct: (641) 223-4217
    Email: [email protected]
    NMLS #: 745275
  • Nicole Jacobson Nicole JacobsonVice President & Loan Officer, Osceola
    Direct: (641) 223-4226
    Email: [email protected]
    NMLS #: 999221


Additional Resources:
Mortgage Calculators Home Purchase Basics
Mortgage Products Mortgage Glossary
Mortgage Loan Process Your Home Loan Toolkit
Mortgage Checklist Residential Loan Application
Property Tax/Insurance Account Set Up Realtors in the Area
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