Mortgage Loans
Discover the Ideal Mortgage Loan for Your Unique Needs and Lifestyle
Get your dream home with a mortgage that fits you. At 1st National Bank, we make banking easy and put you first. Whether it’s your first home or a vacation getaway, we offer unbeatable rates and top-tier service.
Contact us now to find your perfect home loan. Bank your best™ with 1st National Bank!
HOMEPOSSIBLE Program
The HOMEPOSSIBLE Program helps make homeownership affordable, especially for first-time buyers, with benefits like:
- Low 3% down payment
- Up to $2,500 in in down payment or closing cost assistance
- Lower interest rates
Federal Home Loan Bank - Welcome Home Program
1st National Bank’s FHLB Welcome Home Program offers down payment and closing cost assistance for affordable housing. Apply today to see if you qualify for grant funding and government-backed support.
- Down payment assistance
- Closing cost assistance
- Government backed
- Grant money
Fixed Rate Mortgage
1st National Bank offers fixed-rate mortgages with stable interest rates and monthly payments, making budgeting easier. Benefits include:
- Competitive interest rates
- Flexible down payment options
- A quick online application
- Personalized local service
- Options for first-time homebuyers and refinancing
New Construction Mortgage
1st National Bank supports your journey to build your dream home with:
- Competitive rates
- Flexible terms
- Expert guidance
- Local decision-making
- As a trusted community bank, we're committed to helping make your vision a reality
VA Mortgage
We proudly offer VA loans for veterans and their families, providing affordable financing and personalized service to achieve homeownership. Benefits include:
- No down payment
- No PMI
- Flexible credit requirements
- Local expertise supported by a specialized mortgage team for a seamless experience
Jumbo Mortgage
A jumbo mortgage allows you to finance high-value or luxury properties beyond FHFA conforming loan limits. Benefits include:
- Competitive rates
- Flexible terms
- Local expertise
- Personalized service
FHA Mortgage
FHA loans are perfect for buyers with limited savings, higher debt-to-income ratios, or lower credit scores. Benefits include:
- Low down payment
- No income limits
- Flexible credit and DTI requirements
USDA Loan
1st National Bank offers USDA loans to support homeownership in rural and suburban areas. Benefits include:
- Zero down payment
- Competitive interest rates
- Flexible credit requirements
- 15 and 30 year loan terms
Adjustable Rate Mortgage
An adjustable-rate mortgage (ARM) features an interest rate that adjusts with market conditions, starting lower than fixed-rate mortgages. Ideal for those seeking lower initial payments or planning to move or refinance soon. Benefits include:
- Competitive rates
- Flexible loan terms
- Local expertise
- Personalized service
Try our free Mortgage Calculators
See how much house you can afford!
Adjustable Rate MortgageThis calculator helps you to determine what your adjustable mortgage payments will be. | ARM vs. Fixed RateUse this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. | Bi-Weekly PaymentsUsing bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment. | Maximum MortgageUse this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow. |
Mortgage APRUse this calculator to find the APR on your mortgage. | 15 vs. 30 YearUse this calculator to compare these two mortgage terms, and let us help you decide which term is better for you. | Early PayoffUse this calculator to determine your monthly payment and amortization schedule. | Mortgage PointsSave thousands of dollars in interest by increasing your monthly mortgage payment. |
Mortgage QualifierCan you buy your dream home? Find out just how much you can afford. | Refinance BreakdownShould you refinance your mortgage? Use this calculator to determine when you will breakeven. | Refinance Interest SavingsUse this calculator to see how much interest you can save by refinancing your mortgage! | Rent vs. BuyAre you better off buying your home, or should you continue to rent? |
Still have questions about our Mortgage Loans? Have us contact you.
Embark on a worry-free journey to homeownership by leveraging our expertise in mortgage applications. We invite you to take our Home BuyAbility Test, a valuable tool that will guide you in determining the right home price range for your needs. Gain confidence when applying for a mortgage loan with us, knowing you’re making well-informed decisions.
Is Refinancing the Right Choice for You? Generally, refinancing is worth considering when mortgage interest rates are at least two percentage points lower than your current rate. Whether you’re applying for a new mortgage to purchase your dream home or refinancing your existing mortgage, explore the benefits of our Homeowner’s Credit Line. This financial solution can help you save on application fees, reduce interest costs when borrowing, and potentially lower your tax liability at year’s end. For more information, contact one of our mortgage loan experts at (513) 770-3221.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
