Mortgage Loans

Mortgage Loans


First National Bank offers a wide range of mortgage options for home or real estate property buyers. We offer adjustable rate mortgages and fixed-rate mortgages.

Contact us today for our current competitive interest rates!

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First National Bank offers a wide range of mortgage options which include both fixed and adjustable rate loans.

Our fixed rate* long term residential home loans have the benefit of a fixed interest rate for the entire term of the loan with a maximum term of up to 30 years.

Adjustable rate mortgages are available in 3, 5 or 7 year terms.  The interest rate may change on an annual basis and will be adjusted on the loan's anniversary after the fixed rate period has been reached.

Are You Buying Your First Home?

Take advantage of a new program that allows for a down payment as low as 3% for qualified buyers.

Owning your home is one of the most valuable investments you will make in your lifetime.  Stop by one of our locations today to learn more about financing your home through this great new program that has been designed specifically for first time homebuyers.

We excel in providing an exceptional home purchasing experience and will be there for you long after you've moved into your home!

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Balloon mortgage loans will not fully amortize over the term of the loan, resulting in a loan balance at maturity.  The final payment is categorized as the final balloon payment. 

It's all about you, and your commitment to living in the country.  First National Bank appreciates the RuraLivingunique qualities of rural American living.  We offer a program that provides long-term financing for properties with larger acreages and outbuildings. Our RuraLiving® Home Mortgage program exemplifies competitive pricing and effective products designed specifically for country home living.

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Choose from a variety of financial calculators to plan your monthly budget, compare borrowing costs or plan for your future.

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*The servicing on these loan products will be immediately transferred to our sister bank, Northwest Bank in Spencer, Iowa.  They may sell the loan to an investor and such servicing may also be transferred to the investor.

"The speed of service was amazing. Best mortgage experience I've ever had, I could talk at length about our GREAT experience."

Taycey P