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Home Loan Types
Your dreams are important to us, so we do everything we can to help them take flight. If your goal is to buy a home, we make it our goal to ensure your mortgage fits you just right. Share your homeownership dream with us — whether you are buying, renovating or using your equity to enrich your life — and we’ll guide you to a successful closing. Our lenders will explain the different loan options, help you decide on the best one for you, and partner with you during the entire process. When you own a home, you commit to the community we love, so we treat your aspirations as if they were our own.
Conventional Fixed-Rate Mortgages
If you prefer consistency and predictability in your monthly house payment, consider this loan option. You’d be in good company too, since a fixed-rate mortgage is the most common loan type. Terms of these conventional loans typically range from 10 to 30 years. The longer the term, the lower your monthly payment will be. The shorter your term, the less interest you will pay over the life of the loan.
Benefits:
- Predictable payments
- Flexible terms up to 30 years
- Locked in interest rate
Member FDIC, Equal Housing Lender, FNB NMLS: 452582
Mortgage Refinancing
Refinancing opens the door to so many possibilities. Whatever your mortgage goal, a refinance can help you reach it. For instance, if your goal is to lower your monthly payment and pay less overall for your home, you can refinance to a lower interest rate on your mortgage. Changing the loan terms allows you to either reduce your monthly payment by extending the terms, or pay off your mortgage more quickly by shortening the terms. You can also switch loan types or consolidate a home equity line of credit into your mortgage through refinancing.
Benefits:
- Lower your interest rate
- Adjust loan terms to meet your goals
- Switch loan types
- Receive cash out
Member FDIC, Equal Housing Lender, FNB NMLS: 452582
Home Construction Loans
If building your own home is your dream, we want to help you achieve it. With our affordable construction financing solutions, you can responsibly build a bigger and better home. Our lenders know this community well and can expertly guide you through the process.
Benefits:
Interest-only payments during the construction period
Member FDIC, Equal Housing Lender, FNB NMLS: 452582
Home Equity Loans
This smart lending solution lets you borrow against the equity you’ve built into your home. The more equity you have, the larger the loan amount. Use the funds for anything you want like starting a business and home improvements.
Benefits:
- Variety of loan types
- Competitive rates and flexible terms
- Local decision-making
Home Equity Line of Credit
A FNB Home Equity Loan may be the smartest way to finance home improvements, remodeling, travel and other major purchases. A revolving line of credit secured by the equity in your home, it may be approved for up to 89% of the appraised value of your home less any outstanding first mortgage. Once your First Line Home Equity Loan has been approved and established you can virtually write yourself a loan for any purpose any time. You set your repayment schedule; however, you will be charged a minimum monthly payment equal to the accrued interest. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment at maturity.
Benefits:
- Flexible repayment terms
- A great way to fund major purchases
- Low closing costs
Member FDIC, Equal Housing Lender, FNB NMLS: 452582