Home Mortgage Loans

Home Mortgage Loans

Get your home loan from a hometown bank. Why get financing from some bank executive you'll never meet when you could work with people you know and trust? Meet our Loan Origination Team here.

FNBT is a family-owned local institution, run by people who live right here in the Stateline area. We'll sit down with you and help make sure you get the right loan. It's easy to apply, and because our decisions are made in-house, you won't have to wait months to get approved. Apply for your mortgage loan today.

  • Competitive rate loans
  • Multiple financing options
  • Fixed and adjustable rate mortgages (ARMs)
  • Affordable payments
  • Pre-approval available
  • Attention to personal service
  • Streamlined application process for quick approvals
  • Local decision making and processing
  • Easy online payment options through online banking or SameDayPay

Check out rates here or select the "Apply Now" button and get a pre-approval in about 15 minutes.

Mortgage Types

You should take into account your financial situation and future plans when choosing a mortgage. A few of the more common types of mortgages are listed below; each has its own advantages and disadvantages. Read more about them to help you make your decision.

Fixed Rate Mortgage: Fixed rate mortgages offer a constant interest rate and fixed monthly principal and interest payments. A fixed rate mortgage may be a good option if you value predictability in your monthly housing costs or if you want to prevent your interest rate from rising with inflation. The most common terms for fixed rate mortgages are 15 and 30 years, though they can be shorter or longer.

Adjustable Rate Mortgage (ARM): Adjustable rate mortgages, also knows as variable rate mortgages offer a fixed rate for an initial term and then adjust periodically for the remainder of the loan term. First National Bank and Trust adjustable rate mortgages offer a fixed interest rate for the first 36 months and then adjust every 36 months thereafter.

Construction Mortgage: Construction mortgages offer an opportunity for those building homes to receive funds before their home is complete. Funds from your construction loan are placed in an escrow account and disbursed to you while your home is being built. During construction, your payments are for interest only. Once your home is complete, you may have the option to convert to a fixed rate loan.


FNBT account holders can make a loan payment free of charge through our online banking system. But if you would like to make an electronic payment from a non-FNBT account, SameDayPay makes it easy.

This online solution is fast, easy, secure, and available 24 hours a day, 365 days a year. Make a payment immediately, set up payments in advance, or arrange for a recurring payment to be made automatically. SameDayPay provides an email confirmation so that you know your payment has been made. You can also monitor your transactions online. Our software allows you to see 120 days of history on all of your payments.

SameDayPay loan payments are credited to your loan on the same day as long as they are made before 4:30pm Monday-Friday. There is a $7.50 fee for each payment.