At FNBM, we offer competitive home financing options for condos when you want to purchase or refinance a primary home, second home or an investment property! Even if you are told the property is non-warrantable, we would like to review options with you. With our local expertise, we can review the specific property attributes and help determine if a program is available.

If you have purchased or are looking to buy a new home with cash on hand, talk to FNBM about options we offer for you to recoup the money after closing. Cash offers may help you secure the home and knowing how to rebuild your savings upfront has provided our clients peace of mind.

If you are interested in expanded guidelines that allow qualification based on cash flow trends through a business or personal bank account instead of traditional tax returns, contact us to review options. Financing a home may be easier than you thought possible and available sooner than you expected.

If you are looking for a low-down payment option, a FHA loan may be just right. A low 3.5% down payment requirement and expanded credit guidelines, a FHA loan helps many borrowers finance their dream home.

As a community bank, we offer excellent technology to enhance your buying experience, programs that feature buydown options, specialized loans such as HomeReady and HomePossible to maximize your buying power and budgeting tools to help set you up for success.

Our traditional fixed rate mortgage options offer the stability you may be looking for with a consistent rate and payment for the entire term of the loan. We can assist you with purchasing or refinancing your primary home, a second home or an investment property with up to four units. We have fixed rate financing options in all 50 states.

Home Equity Lines of Credit (HELOC) are like a Home Equity Loan with more flexibility. Secured by your home, a HELOC provides financing for large expenses, consolidation, or an emergency line of credit. During the draw period, the minimum payment is an interest-only monthly payment. As you repay the balance, you can continue to utilize the loan during the introductory draw period of ten years. At the end of the ten year introductory period, the balance becomes due, or the line may be considered for renewal.

Tap into your home’s equity and access cash quickly with our competitive home equity loan solution. We offer many term options including five, seven, and ten years so the loan can be customized to your needs. Home Equity Loans are often used to cover college expenses, purchase a vehicle or a boat, make home improvements or plan a vacation.

Looking to buy or refinance an investment property, let us help. With several custom designed programs for new investors or long-term property owners, we have options that qualify you based only on the properties cashflow. Other nuances we offer include the ability to close in the business name, home equity loans and line options as well as an expanded number of financed properties is allowed.

Your dreams are not one size fits all. That’s why we offer loan amounts up to $3 million with both fixed and variable rate options in all 50 states to assist with your primary home, a second home, or possible investment property.

A personal loan offers a line of credit, with interest only payments required over 36 months. This is the perfect option to provide flexibility and have in place for an unexpected expense, help finance a small home project, purchase a car or more.

FNBM offers renovation financing for new and existing homes, for your primary residence or a second home. The one-time closing option saves you money on closing costs and allows flexibility during the construction phase with interest only payments. We work closely with local builders to ensure the draw requests are handled quickly to help your project timeline stay on track.

Rural Development loans provide 100% financing for eligible properties located in rural communities. There is no mortgage insurance required and this program is designed to provide an affordable solution to achieve homeownership.

To help with affordability at the beginning of your new loan, we offer various buydown options on conventional, FHA, and VA loan programs. The buydown can be financed through a seller concession and leave you with more wiggle room in your monthly budget as you get settled into your new home.

We proudly offer zero down, VA financing for active-duty service members and veterans to finance a new home or refinance an existing home. We can quickly help you determine options with your certificate of eligibility and see if this is the best program for your needs.