Home Loans, Mortgage Loans, & Home Equity Programs can help you get the house of your dreams

Home Loans, Mortgage Loans, & Home Equity Programs

Home / Personal / Home Loans

At First National Bank and Trust, the home mortgage loan process is simple and loan decisions are quick. When you apply for a home loan with us, decisions are made in-house and we're committed to providing you with the highest level of customer service. If you’d like to get an idea of how much home you can afford or what your payments might be, check out our home loan calculators. Got 15 minutes? We can get you ​pre-qualified now!

FNBT Offers a Full Range of Home Loan and Home Equity Loan Programs

Ae you looking for a mortgage loan in Southern Wisconsin or Northern Illinois? First National Bank and Trust offers a full range of home and mortgage loan options. Whether you're a first-time homebuyer interested in our Downpayment Plus program, building a custom home, or refinancing your home, we have a solution that's right for you. Learn about how to save for your down payment today and our home equity line of credit program. 

All FNBT Home Loan Programs Offer:

  • Competitive home mortgage interest rates
  • Local decision-making & processing 
  • Pre-approvals for home loans
  • Easy payment options

Types of Home Mortgage Loans We Offer:

Conventional Mortgage Home Loan

This is the classic mortgage loan. The interest rate is maintained throughout the entire life of the loan. 

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ARM Loans (Adjustable Rate Mortgage)

The mortgage interest rate changes over time, so the monthly payments can go up or go down. 

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Lots & Construction Loans

Obtain funds before your home is built and make interest-only payments during construction.​

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Downpayment Plus Program

Provides downpayment and closing cost assistance to low and moderate-income homebuyers. 

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Mortgage Refinance

Gives you the opportunity to change conditions of your loan, as well as convert equity into cash. 

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Rural Development Loans

USDA loans are for homebuyers who meet income requirements for homes in defined rural areas. 

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Home Equity Loans & Lines of Credit

Choose a home equity loan if you need funds all at once or line of credit if you prefer flexibility. 

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Jumbo Mortgage Loans

For well-qualified buyers seeking loans exceeding the conforming loan limits. 

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FHA Loans for First-time Homebuyers

Offers 97% LTV conventional loans and lower down payment requirements than conventional mortgages.

Apply Now

Home is where dreams are made. We'll find the right financing option for you. Here's 5 questions to consider when purchasing a new house. Use our easy mortgage calculator to estimate your monthly mortgage payment. Start your ​pre-qualification online now, check our current mortgage rates, or contact us to get started!  Meet with a mortgage lender one-on-one at any of our convenient locations in Argyle, Beloit, Clinton, Darien, Delavan, Elkhorn, Janesville, Monroe, Walworth, and Williams Bay, WI and Rockton, Roscoe, and Winnebago, IL. 

​​​Customer Testimonials

young couple hugging in front of home

Read what our customers are saying about their lending experience with FNBT.

Mortgage Solicitations 

When you apply for a mortgage, you may get inundated with competing offers from other mortgage companies. FNBT is not selling or sharing your information. Rather, creditors – including other mortgage companies – are taking advantage of a federal law that allows them to market their products to you.

Learn more about these credit solicitations and tips on how to stop them.

*​Not all borrowers qualify for all programs, must meet underwriting guidelines and are subject to credit review and approval. Loans are subject to buyer and property qualification.

** There are no required application fees or closing costs for a home equity loan or line of credit. If the loan or line of credit is closed within the first 36 months, First National Bank and Trust reserves the right to recapture the closing costs and fees.