The First National Bank and Trust Company offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
Conventional "Local Home Loan" Fixed Rate 30 Yr.
Conventional "Local Home Loan" Fixed Rate 15 yr.
Conventional Fixed Rate 30 yr. term
Conventional Fixed Rate 15 yr. Term
USDA Rural Development Guaranteed 30 year Fixed Rate Term
HUD-184 Native American Loans
VA 30 year Fixed Rate
VA 15 year Fixed Rate
Jumbo Loans
FHA 30 and 15 year Fixed Rate

Rates last updated on Thursday, December 06, 2018

Conventional "Local Home Loan" Fixed Rate 30 Yr.
Conventional Fixed Rate loan that allows you to keep your mortgage local. That means you can visit local people in local FNBT branches to originate the loan, make payments, inquire about payoffs, or celebrate the day you accomplish payoff. All of it, local. Minimum Credit Score 620

Term: 30 years   Maximum Amount: $484,350
 
Payment is calculated on a purchase price of $185,000 with 5% down payment for a loan amount of $175,750 for 360 payments.

Conventional "Local Home Loan" Fixed Rate 15 yr.
Conventional Fixed Rate loan that allows you to keep your mortgage local. That means you can visit local people in local FNBT branches to originate the loan, make payments, inquire about payoffs, or celebrate the day you accomplish payoff. All of it, local. Minimum Credit score: 620

Term: 15 years   Maximum Amount: $484,350
 
Payment is calculated on a purchase price of $185,000 with 5% down payment for a loan amount of $175,750 for 180 payments.

Conventional Fixed Rate 30 yr. term
Fixed Rate Mortgage Terms Minimum Credit score: 620 Loan to value up to 95%* on Primary Home Purchase. Purchase, Rate/Term and Cash-Out transactions are available. Primary Residence, Second Home, and Investment Properties are eligible.

Term: 30 years   Maximum Amount: $484,350
 
This loan will be sold to an investor to whom you will make your payments to monthly. It will not remain with FNBT. Interest rates will vary based on property type and transaction type. Payment is calculated on a purchase price of $185,000 with 5% down payment for a loan amount of $175,750 for 360 payments.

Conventional Fixed Rate 15 yr. Term
Fixed Rate Mortgage Terms Minimum credit score 620 Loan to value up to 95%* on Primary Home Purchase. Purchase, Rate/Term and Cash-Out transactions are available. Primary Residence, Second Home, and Investment Properties are eligible.

Term: 15 years   Maximum Amount: $484,350
 
This loan will be sold to an investor to whom you will make your payments to monthly. It will not remain with FNBT. Interest rates will vary based on property type and transaction type. Payment is calculated on a purchase price of $185,000 with 5% down payment for a loan amount of $175,750 for 180 payments.

USDA Rural Development Guaranteed 30 year Fixed Rate Term
No down payment required, 100% financing, plus Guarantee Fee Property must be in a designated USDA rural area and borrower must meet income restrictions. 1-unit, primary residences only. Minimum credit score 640.

Term: 30 years   Maximum Amount: $424,100
 
Guarantee fee of 1% with annual 0.35% monthly guarantee fee is required. This loan will be sold to an investor to whom you will make your payments to monthly. It will not remain with FNBT. Interest rates will vary based on property type and transaction type. Payment is calculated on a purchase price of $185,000 with 0% down payment for a loan amount of $186,868 for 360 payments.

HUD-184 Native American Loans
This program was designed to provide access to mortgage financing to Native American and Alaskan Native tribal members and to improve the value of Native Investments. Can be used to purchase or refinance 1-4 unit single family primary residence properties. Some advantages are Low Down Payment and Low Interest Rates.

Term: 30 years   Maximum Amount: $294,515
 
Up front mortgage insurance fee of 1.5% with 0.25% monthly mortgage insurance is required. This loan will be sold to an investor to whom you will make your payments to monthly. It will not remain with FNBT. Interest rates will vary based on property type and transaction type. Payment is calculated on a purchase price of $185,000 with 2.25% down payment for a loan amount of $180,837 for 360 payments.

VA 30 year Fixed Rate
100% financing/no down payment available for Veterans meeting service requirements according to the Veterans Administration and an unmarried surviving spouse meeting requirements as listed in VA Lender’s Handbook. Primary Residences only for Purchase Transactions. VA funding fee is required. minimum credit score 620 required.

Term: 30 years   Maximum Amount: $424,100
 
This loan will be sold to an investor to whom you will make your payments to monthly. It will not remain with FNBT. Interest rates will vary based on property type and transaction type. Payment is calculated on a purchase price of $185,000 with 0% down payment for a loan amount of $188,237 for 360 payments.

VA 15 year Fixed Rate
100% financing/no down payment available for Veterans meeting service requirements according to the Veterans Administration and an unmarried surviving spouse meeting requirements as listed in VA Lender’s Handbook. Primary Residences only for Purchase Transactions. VA funding fee is required. Minimum credit score 620 required.

Term: 15 years   Maximum Amount: $424,100
 
This loan will be sold to an investor to whom you will make your payments to monthly. It will not remain with FNBT. Interest rates will vary based on property type and transaction type. Payment is calculated on a purchase price of $185,000 with 0% down payment for a loan amount of $188,237 for 180 payments.

Jumbo Loans
Loan limits $484,351 to $2,500,000. Minimum credit score 700 required. 30 and 15 year fixed rate terms are available. Primary residence, Second homes and Investment properties are allowed. Call for rate and detailed program information.

Term: 30 years   Maximum Amount: $2,500,000
 
This loan will be sold to an investor to whom you will make your payments to monthly. It will not remain with FNBT.

FHA 30 and 15 year Fixed Rate
Term: 30 years  



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $453,100 with closing costs of $3,500. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $3,750. Your actual APR may be different depending upon these factors.