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Residential Loans

Owning a home continues to be a goal for Americans and affordable financing is an important component of home ownership. Farmers National Bank is committed to offering competitive lending options for existing and new home owners in the Bank’s market area:

  • FNB offers fixed interest rate balloon loans for 61, 84, and 120 months, with amortization as long as 30 years.
  • For borrowers seeking fixed interest rates greater than 120 months, with amortization as long as 30 years, the Bank sells the loan to Federal Home Loan Bank of Chicago, while retaining the loan servicing responsibilities.
  • FNB partners with government supported programs, including USDA Rural Development, to provide loans with terms advantageous to qualified borrowers
  • FNB offers other types of residential lending, including construction financing and “home equity” lines of credit.   

The information gathering process for residential lending is very specific with certain information required to be provided (it’s your home, remember!). Contact your local lender to discuss the application process.

Please contact any of our local lenders to discuss other residential real estate options such as: construction loans, Home Equity Lines of Credit (HELOC) and balloon loans.