Your Dream to own a place you call home can be reality with a loan from FNB. Whether you are buying your first home, refinancing to take advantage of lower rates or building your dream home. FNB has a loan to meet your needs. 

Finding the right financing for your needs can be confusing. Unlike traditional mortgage lenders, FNB makes home financing understandable, easy, and convenient. Our experienced mortgage professionals work closely with you from start to finish and present you with options to help you make the best choice for your home loan needs.

FNB offers a wide variety of Mortgage Products:

• 15, 20, 30 year fixed rate

• 1/1, 3/1, 5/1, 7/1 Adjustable Rate

• 5 year Balloon with lower closing costs

• Jumbo Financing

• Log Homes

• Homes with Acreage

• Farm Loans

Help us close your loan faster by bringing the following items to your loan application. Contact your lender if you have questions about these items.

• A copy of signed purchase agreement (for purchase transactions). 

• For refinances, a copy of previous title work or deed.

• Name, address and phone numbers of all employers in the past 2 years, for each applicant. 

• Original pay stub(s) covering the most current 30-day period for each applicant.

• Original W-2 forms for the last 2 years, for each applicant.

• If self-employed or commissioned, past 2 years signed personal and business federal income tax returns.

• Original checking, savings and investment account statements for the past 2 months.

• Name, addresses, account numbers, monthly payments amount and balances on all loans or credit cards.

• Name, address and phone number of landlord for the past 12 months, if you are currently renting or have rented in the past 12 months.

• If divorced, a copy of divorce decree and separation agreement, and proof of receipt of alimony or child support.

• For refinances, a copy of current homeowners insurance policy.