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