ABOUT

First National Bank has built a strong reputation as an outstanding mortgage lender, serving the needs of real estate professionals, builders and individual homebuyers/homeowners throughout the state.

We're a full-service mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage products and services. It is our mission to find the right loan-with the best rates, terms and costs-to meet your  unique needs. But that's just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports, so you always know the status of your loan.

It is our pleasure to offer all of our exceptional mortgage services online. Through us you not only have access to the best loans available in the marketplace, but you can also review loan alternatives, and even apply for your loan at your convenience, online - 24 hours a day.

Your Home Loan Made Easy

When you choose us for your home financing needs, you'll be surprised by how smooth, efficient, and hassle-free the mortgage process can be. Before long, you'll have a home loan tailored to your goals, lifestyle, and budget.

Throughout the process, we'll keep you informed every step of the way with regular updates on your loan status. If you have questions or need assistance, you can reach out by email or speak directly with one of our mortgage professionals who are always ready to help.

The Loan Process at a Glance

Step 1: Apply for Your Loan

Getting started is simple.

Once you've found your home and have an accepted purchase agreement, the next step is to complete your loan application. Our secure online application makes the process quick and convenient.

As part of the approval process, we'll arrange for a professional appraisal of the property at the appropriate time.

Step 2: Loan Approval & Closing

After your loan is approved, the designated Title or Escrow Company will coordinate the closing process and handle the necessary documentation to ensure a seamless transaction.

We'll work closely with the escrow team, and you'll review and sign your final loan documents at their office. Once everything is complete, your loan will be funded and you'll be one step closer to owning your new home.

Simple, Straightforward, Cost Effective, and FAST!

We're committed to making your home financing experience as straightforward and stress-free as possible.

HOME PURCHASE BASICS

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.

In General....

A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Real Estate Agent To:

1. Preview available homes to weed out those that are overpriced, or undesirable in some other way.
2. Present the homes that suit your needs as you've defined them.
3. Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
4. Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else's -- even if your offer is lower!

Count On Your Loan Officer To:

1. Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
2. Keep you informed of your loan status throughout the entire process.
3. Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and us; only deal points and progress are shared).
4. Get the appropriate loan for you at the best rates and fees. This will save you significant money "up front" and throughout the years to come.

Count On Yourself To:

1. Keep your Real Estate Agent informed of any questions or concerns as they develop.
2. Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
3. Enjoy purchasing your home, but do remain objective throughout -- to make the business decisions that are best for you.
4. Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.