Home Loans | Mortgage & Home Equity

Home is the place where dreams are made. We’ll find you the right financing option for fulfilling that dream. At FNBT, the 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. Got 15 minutes? We can get you ​pre-qualified now!

Full Range of Home Loan Programs

We offer a full range of mortgage and home loan options, whether you're a first-time homebuyer, building a custom construction, or refinancing, we have a solution that's right for you. We're here to provide you with sound advice for your home financing needs. Sound advice is more than just a catchy motto for us, it's who we are and what we promise every day! We live and work in the communities we serve and we're here to help you find the home loan options to make your dreams come true.

All FNBT loan programs offer:

  • Competitive rates
  • Local decision-making & processing 
  • Pre-approvals 
  • Easy online payment options through FNBT online banking or SameDayPay*

Conventional Mortgage

This is the classic mortgage loan. The interest rate is maintained throughout the entire life of the loan. Perfect for those who prefer predictability.

ARM (Adjustable Rate Mortgage)

The one-size-doesn't-fit-all option. Can be a great option if you don't plan to be in your home for a long time.

First-time Homebuyers

With WHEDA FHA and 97% LTV conventional loans, first-time homebuyers will enjoy lower down payment requirements.

Downpayment Plus Program

Special program provides down payment and closing cost assistance to low and moderate-income households.

Rural Development

This USDA sponsored program is ideal if you're a homebuyer looking to purchase in "rural defined population service areas" and meet certain income requirements.

Home Equity Loans & Lines of Credit

Put the equity in your home to work for you. Choose a loan if you need funds all at once or line of credit if you prefer flexibility. You can borrow as much as you need up to your maximum credit limit over a period of time.

Jumbo Mortgage Loans

For well-qualified buyers seeking loans exceeding the conforming loan limits, we offer jumbo mortgage loans with various terms.

Lots & Construction Loans

If you've decided building is the way to go, obtain funds before your home is complete and make interest-only payments during construction.​

​Home is where dreams are made. We'll find the right financing option for you. Start your ​pre-qualification online now, check rates, or contact us to get started! 

*SameDayPay may be used to make electronic loan payments from a non-FNBT account. Payments can be made immediately, set up in advance, or scheduled for recurring payments. Transactions can be monitored online and payments made before 4:30pm CST M-F are credited to your loan the same day. There is a $7.50 fee for each payment made using SameDayPay.

​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.