Mortgage Loans
Ready to buy or build the home of your dreams? We are ready to help with a home mortgage loan that will fit your budget. We offer flexible mortgage products tailored to your needs with a quick, local approval process.
- 15, 20, and 30 year fixed rate mortgages
- 15 and 30 year FHA
- Affordable mortgages
- Low downpayments good for first time and low to medium income homebuyers
Affordable Merit Loans
- For those with past credit problems
- Borrower has four years to make 24 consecutive ontime payments to qualify for a one time rate decrease of 1%
Construction Loans
- 80/10/10 mortgage loans
- Borrower finances 80% of the home's value
- FNB will finance a second mortgage of 10%
- Borrow puts 10% down
Manufactured Housing Mortgages
- 5% down
- Borrower must own the land and home must be a permanent fixture
- Fixed rates only
