Need a new loan? Whether you're buying a car, a home or planning a wedding, First Bank & Trust Co. can accommodate you. Check with any of our Consumer Lenders for the latest rates. You can get a head start by filling out the appropriate Loan Application online. Just complete the form and email it to us or bring it to any one of our conveniently located Banking Centers. |
| Auto, Boat, R.V. & Motorcycle Loans | |
| - Rates vary
- Credit is based on credit history, income, debt ratio, down payment, and banking relationship with First Bank & Trust Co..
- Term of these loans vary according to year and model.
| | - Basically for any reason - medical expense, vacation, taxes...
- Personal loans are usually secured
- Rates vary by collateral and length of the loan.
| | First Mortgage Primary Residence Loan Purchase of new home Refinance home
Additional or Second Mortgage Loan can be made for any purpose Interest may be tax deductible (Please consult your tax advisor for more information) Sometimes termed "Home Equity Loan"
| Loans available through our
Fixed Rate Mortgage Department | |
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| Visit www.1stbankapp.com to apply online! | Conventional Loans Quick Approval Loan up to 95% of the purchase price/value of the property Maximum Loan Amt - $417,000.00 10, 15, 20, 30 year terms - Private Mortgage Insurance is required on loans over 80% of the value of the property
| FHA Loans - 3.5 % Required Investment
- Loan up to 96.5% of the purchase price/value of the property
- Maximum loan amount - $271,050.00
- 15 & 30 year terms
- Seller can pay up to 6% of buyer's closing costs
| VA Loans - Loan up to 100% of the value of the property
- 15 & 30 year terms
- Seller can pay pre-paids and closing costs up to 4% of sales price
- Guaranteed and approved by VA
| Rural Development Loans - Loan up to 100% of the value of the property
- 30 year term
- Closing costs can be financed if appraised value will support this increase and if the ratios will support the higher loan amount.
- This program is designed for rural communities
- Income limits do apply on this program
- Guaranteed Loan by USDA
| Jumbo Loans - Loan amounts between $471,001.00 to $2,000,000.00
- Criteria varies depending on loan amount.
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