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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. You can expect:

  • responsive, personal service from experienced lenders.
  • timely responses to questions.
  • regular communication from your mortgage lender.
  • honest and straightforward advice.

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

Home Buying Just Got Easier

First National Bank's digital mortgage experience puts you in control. Prequalify to estimate how much you can borrow, apply for a new mortgage loan or refinance your current home, come back to an application you have started, or check your loan status. 

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

Homebuying & Refinancing Options

First National Bank offers a variety of mortgage financing options to fit your unique situation. Through this page, you can apply for a traditional mortgage loan to buy a home or apply to refinance your existing home.

First National Bank also offers Bridge Loans, which are a type of transitional loan for individuals who are selling their existing home and are ready to buy a new home. If you want to build a new house, rather than buying a home owned by someone else, consider our Home Construction Loans.

New HomeownersGetting Prequalified to Buy a Home

In today's real estate market, prequalification is must-have for buyers to be taken seriously by real estate agents and sellers. Mortgage prequalification is an informal evaluation of your creditworthiness and how much home you can afford. Prequalification indicates whether you meet the minimum requirements for a loan. 

Prequalification is an important step for those who aren't sure whether they're financially ready for homeownership. You can also use our home affordability calculator to get a sense of what you can afford as you begin thinking about buying a home.

When seeking prequalification, you will be asked to provide basic information about your credit, debt, income, and assets; and your credit report will be pulled. Because prequalification is an informal, nonbinding evaluation, you can get prequalified in a day or two, sometimes less. Get started by contacting a mortgage lender or use the "Apply Online" button. There is no fee to apply for prequalification and no obligation to obtain a loan.  

Please keep in mind, prequalification doesn't guarantee approval of your loan. When you find your home, you will complete a loan application, supply documents to verify your financial information, and begin the full loan approval process.  

 Homebuyer's Guide


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

Free Download

Mortgage Loan Process


Additional Resources


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


Sara Lehman

Vice President Mortgage Loan Officer, Ames
Ph. (515) 663-3089
NMLS #: 609248

Email Sara


Dona McMasters

Vice President Mortgage Loan Officer, Ames
Ph: (515) 663-3090
NMLS #: 591518

Email Dona


Vicki Halvorsen

Vicky K. Halvorsen

Senior Vice President, Osceola
Ph: (641) 223-4217
NMLS #: 745275

Email Vicky

Nicole Jacobson

Nicole Jacobson

Vice Pres. & Loan Officer, Osceola
Ph: (641) 223-4226
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 Homebuyers' Top 5 Questions. 

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