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Mortgages & Personal Loans

Financing your dreams is easier and more responsive at FNBM because local decision making allows us to rely on personal insight and discretion.

FNBM Financing Solutions

Personal Loans

Personal loans at FNBM offer a flexible line of credit for our customers. With interest only payments required and a two-year term this could be used for an unexpected expense, a small home project, to purchase a car, or more.

Fixed-Rate Mortgages

Traditional fixed-rate mortgages offer you the stability you want with a consistent rate and payment for the life of the loan. Available in conventional loans, you can use these mortgages to purchase or refinance a primary residence with accommodations for up to four families or a vacation home.

Home Equity Loan

Tap into your home's value and get access to cash quickly with a home equity loan. These 5, 7, 10, and 15-year loans from FNBM allow you to borrow against your home's value at a fixed, low rate. Home Equity Loans are often used to cover college expenses, purchase a vehicle or boat, make home improvements and add an addition, and plan a vacation.

Home Equity Line of Credit

Home Equity Lines of Credit (HELOC) loans are similar to traditional Home Equity Loans. Secured by your home, HELOC gives you access to funds for large expenses at a low rate with interest-only monthly payments and 10-year terms. These loans allow you to borrow what you need when you need it without liquidating investments.

Jumbo Loans

Your dreams are not one size fits all. That's why FNBM offers a Jumbo Loan program with down payments as low as 20%. Jumbo Loans provide competitive pricing and several options to help you achieve your financial goals with flexible purchasing and refinancing power.

Construction Loans

We've helped countless local families build their dream homes. Allow FNBM to guide you through financing the construction or major renovation of a primary residence or vacation home with interest-only payments during construction to keep payments affordable during construction with our Construction Loans.

Lot Loans

Location is everything, even before the building process begins. Whether you want to purchase land for immediate or future construction, FNBM offers a loan program specifically for acquiring vacant land so that you can build your dream home one day.

Find Your Local Personal Banker

Assistant Vice President, Branch and Consumer Loan Manager
Assistant Vice President, Branch Manager
Vice President, Branch Manager
Vice President, Branch Manager
Vice President, Branch Manager, Treasury Management Officer
Vice President, Branch Manager

The FNBM Difference Working for You

We believe in local leadership and local decision making.

We understand that direct access to your banker is important.

We know the importance of giving back to our community.

Learn more about why First National Bank of Michigan is right for you.