From your first home to your retirement home, we can work together and develop a financing plan to meet your needs whether it is for a new home purchase, refinancing your present home, or a construction loan to build the home of your dreams. One of our Loan Officers is ready to work with you and will provide competitive rates. First National Bank also offers financing for Investment properties. We will work with you throughout the project to assist in meeting your objectives.

We at First National Bank and Trust Co. want to make the financing of your home as easy and convenient as possible. Get a start on your next home loan by obtaining a quick Home Pre-Qualification analysis. Simply Click on our Homebuyer Pre-Qualification Form. It’s as easy as 1 – 2 – 3. Step 1: Download or print out the prequalification form. Step 2: Complete the short questionnaire by filling in the blanks. Step 3: e-mail, fax or bring the form to the bank. We will instantly determine the maximum home value and loan amount available to you under the loan programs that benefit you most. For those of you who would rather enjoy the security and speed of applying online you may Apply Online Now or click on our Secure Contact Form and a Loan Officer will be in touch with you shortly.

For quick-approval please have available the following information:

• Picture ID & Social Security Card
• W-2’s and most recent pay stubs
• Sales contract (if purchasing)
• Tax Returns for the last two years (If self employed)

Click here for a printable version of our application.

Need help in finding a home?

• Brown Real Estate & Auction Service LLC – www.kspropertyads.com
• Century 21 Matlock Johnson Realtors – www.matlockjohnson.com
• Sheila Burdett Agency – www.the-realestateprofessionals.com
• Coldwell Banker, Mowry-Custer Realtors, 522 N. Eisenhower Dr., Junction City, KS 66441– www.cbjunctioncity.com
• Cook Real Estate – www.cookrealestate.net
• Crites Real Estate, Auction and Appraisal Services, Inc. – www.landofozhomes.com
• Fort Riley Real Estate – www.fortriley-realestate.com
• Karen Westover RE/MAX – www.karenwestover.com
• RE/MAX – Junction City – www.remax-properties-junctioncity-ks.com
• Mathis, Lueker Real Estate - www.mathislueker.com
• Reece and Nichols Cornerstone Realty, LLC - www.Cornerstone.ReeceAndNichols.com
• Ruth Smith Realty, Herington, KS - www.ruthsmithrealty.com

• Home Purchase
• Home Refinancing
• Home Equity
• New Construction
• Financial Calculators

Home Purchase

Whether you are purchasing your first home or your next home, The First National Bank and Trust Co. has a loan for you. In addition to providing financing for first homes, we also take pride in offering a variety of loan products for vacation homes, condos, second homes, lots, and acreage. Many of these products feature low closing costs and underwriting flexibility.

In addition to interest only payment options, free pre-approvals, and competitive fixed or variable rates, we have available:

• Loan terms up to 30-years
• Programs requiring zero down
• Options for no closing costs
• No private mortgage insurance requirements
• Loans for borrowers without perfect credit

Want to get started today? Contact Lynn or one of our experienced loan officers Monday through Friday 8:00 AM - 5:00 PM., or by special appointment; or Apply Online Now or Click on our Homebuyer Pre-Qualification Form to obtain your quick home pre-qualification analysis.

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Home Refinancing

Take advantage of your home's increased value by refinancing your mortgage at a low attractive rate.

Contact us now to:

• Pay off a higher rate 1st or 2nd mortgage
• Consolidate debts for a lower monthly payment
• Access the equity in your home for improvements, educational expenses or other major purchase
• Lower your monthly payment

At First National Bank, our loan officers are experienced professionals who can help you decide if refinancing is right for you.

Contact Lynn or one of our experienced loan officers to get started today, Monday through Friday 8:00 AM - 5:00 PM., or by special appointment, or Apply Online Now

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Home Equity

Get money to meet all of today's needs and pay it back monthly over the length of time you choose. The First National Bank and Trust Company’s Home Equity loan program will allow you to enjoy low fixed or variable rates, flexible terms and low monthly payments that fit your budget. Borrow up to 90% of your home equity. Now is the time to put your home's value to work for you.

• Home Equity Lines of Credit
• Home Equity Term Loans
• Home Improvement Loans

Want to get started today? Contact Lynn or one of our experienced loan officers Dale, Linda, or Jeff Monday through Friday 8:00 AM - 5:00 PM., or by special appointment: or Apply Online Now

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New Construction

Building a home is exciting and is everyone's dream, but sometimes the details can make the process burdensome. Our new construction program can help take some of the headaches away. Our program can make your new construction and permanent financing work together to reduce duplicative costs, thus providing a simple and flexible financing program for your new home.

Contact Dale, Linda, or Jeff or one of our experienced loan officers to get started today, Monday through Friday 8:00 AM - 5:00 PM., or by special appointment; or Apply Online Now

For Additional Information on Home Loans or an Application Contact one of our Lender's at 785-762-4121 or email info@firstnational.cc

Click here for a printable version of our application!

Check our Calculators to Answer Your Frequently asked questions:

• How Much Can I Qualify For?
• How Much House Can I Afford?
• What Would My Monthly Payment Be for A Fixed Rate Loan?
• What Would I Save If I Made Extra Payments?

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