Personal Loans
Home and Real Estate Loans
Mortgages
With a broad and deep array of home financing solutions, the First National Bank can structure a mortgage to meet your needs. We offer a variety of options including conventional loans, FHA, VA and USDA loans. Apply today!
Lot Loans
We make lots of loans to people and families purchasing the “perfect” property upon which to build their family home. Usually, the first step in building your “dream home” is purchasing the ideal lot. A lot loan is the facility that makes buying that lot possible. Lot loans most often:
• Remove uncertainty and the variability of interest rates by
featuring a fixed rate of interest for the term of the loan;
• Feature monthly payments consisting of both principal and interest
meaning that you will payoff the loan by the end of the term.
Once you own the lot, select a builder and agree upon your plans, it’s time to apply for a First National Bank Construction Line. And, don’t worry… you are working with the friendly and experienced home financing experts at First National Bank!
Construction Lines
You dream of, and design, the home of your dreams; we will help make the construction easy! With a First National Bank Construction Line you will have confidence in knowing that you are placing your dream in the hands of caring, diligent and professional construction and home financing specialists. From plan review to draws, inspections and permanent mortgage financing, we take care of it.
Home Equity Lines of Credit
Like finding change in the cushions of your couch, tap available cash in your home with our Home Equity Line of Credit. Whether you are ready to:
• Improve your home;
• Finally take that “vacation of a lifetime;”
• Help the bride and groom with the wedding of their dreams;
• Reduce your monthly expenses by consolidating higher-interest
credit card debt;
• Live life to the fullest with that convertible, boat, or second home;
• Create an emergency fund;
• Make an investment;
We are here to help. Home Equity Lines keep payments low with Prime Lending Rate based interest-only payments due monthly. And, in most cases the interest you pay is tax deductible (we encourage you to consult with your tax Advisor for eligibility and limitations). In any case, a Home Equity Line from First National Bank is a clever way for you to realize your goals and dreams.
Home Equity Loans
Similar to a Home Equity Lines, Home Equity Loans are a great way to put the available cash, inherent in your home’s value, to work. Loan proceeds can be used for almost any purpose, such as:
• Improve your home;
• Finally take that “vacation of a lifetime;”
• Help the bride and groom with the wedding of their dreams;
• Reduce your monthly expenses by consolidating higher-interest
credit card debt;
• Live life to the fullest with that convertible, boat, or second home;
• Create an emergency fund;
• Make an investment.
The two primary differences between and Home Equity Lines and Home Equity Loans is that Home Equity Loans:
• Offer peace of mind with a fixed rate of interest for the term of the
loan;
• Monthly payments consist of both principle and interest meaning that
you will payoff the loan by the end of the term.
As with Home Equity Lines, in most cases the interest you pay is tax deductible (we encourage you to consult with your tax Advisor for eligibility and limitations). Apply now or stop by the First National Bank banking center most convenient to you, today. Our caring and knowledgeable Associates are ready to help.
Auto Loans
The First National Bank puts you in the driver seat! Whether you are buying a:
• Brand new model;
• Pre-driven car;
• Classic/collectible automobile;
We are here to help. And, our rates are sure to get you “revved up!” Stop by any of our convenient banking centers today. Our Associates are ready to assist.
Ready Credit Overdraft Line of Credit
Has an unplanned expense or unforeseen emergency ever left you with too little cash in your checking account? Having a check returned due to insufficient funds can be a costly, inconvenient and a potentially embarrassing experience. While we certainly do not encourage overdrafts—as always, we encourage you to manage your finances and accounts prudently—we do want to save you from overdraft charges, merchant fees and possible damage to your credit history that might result if a check is returned. That’s why we are pleased to offer Ready Credit. Ready Credit is a line of credit that covers checks and items presented for payment against your checking account in excess of its available balance. First National Bank checking customers protect yourself today by applying now!
CD Secured Loans
Why borrow against a certificate of deposit? Well, frankly it’s about the cheapest way to borrow money. Loan proceeds can be used for any purpose but it’s a great way to buy products with traditionally high finance costs: Home appliances and electronics; furniture; home improvement projects. It’s also an effective way to make a down payment on that second home. And, you still have your CD money on deposit safe and secure.
Tailored Loans
Feel free to dream and dream big. We can tailor a loan to fit your needs. Stop in and see a Personal Banker today!
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