NMLS#514553

Mortgage Loans

Meet with our hometown lenders to create a flexible mortgage plan & get on the road to your dream home!

Mortgage Loans

The American dream can now become your reality. Our hometown service will make it simple and easy to get approved for your mortgage loan. Our low closing costs combined with a competitive A.P.R. will allow you to afford your dream home. Whether you need to refinance, remodel, build a new home, or consolidate your bills. Use your home equity to make it possible.

Whether you’re buying, building, refinancing, expanding, or relocating, The First Central National Bank can help you customize a wide range of real estate loans to fit your situation.  Our lenders will offer you flexibility in terms of manageable payments and competitive rates.  Pre-approvals are available upon request. We approve your loan locally, so the decision is made quickly by people you know and trust.

Contact us and talk to a lender today!

Click here for our Mortgage Rates

Home Mortgage Rates

Single Family Owner Occupied
LTV
Rate
APR **
Per Adjustment
Life
Term
Fees
Modification Fee (Fixed Rate Only): $500

5 Years Fixed/Yearly Adjustable (5/1)




80%




5.500%




5.577%




2%




7% Up




30 yrs




$750 + Actual Costs
7 Years Fixed/Yearly (7/1)
80%
5.750%
5.828%
2%
7% Up
30 Yrs
$750 + Actual Costs
Fixed Rate
80%
6.000%
6.183%
10 Yrs
$750 + Actual Costs
80%
6.500%
6.633%
15 Yrs
$750 + Actual Costs
80%
6.500%
6.623%
Amortized Max 30 Yrs./Balloon in 10 Yrs
$750 + Actual Costs
80%
6.750%
6.849%
Amortized Max 30 Yrs./Balloon in 15 Yrs
$750 + Actual Costs

Rates are subject to change.
Add 75 basis points for loans above the stated LTV up to max of 90% LTV.
** APR (Annual Percentage Rate) is based on financing $100,000 for the maximum term.

Get Started Today

We want to help you find the right product that serves your needs, we'd love for you to get started with us today!

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