Home Mortgage Loans

Make your home’s curb appeal even more appealing with affordable financing from FNBC Bank & Trust. Whether you want to build, buy, or refinance, our low rates and flexible terms ensure you’ll find the perfect loan for your unique situation. You might even be eligible for lower mortgage payments, with the help of the Home Affordable Refinance Program (HARP). Stop budgeting, start living — speak with an FNBC lending expert today.

  • Competitively low rates for building, buying, or refinancing.
  • A wide range of terms customized to your unique situation:
    • Fixed rate mortgages
    • Adjustable rate mortgages
    • And more!
  • Free pre-qualification for extra confidence when it comes to securing financing
  • Local decision-making and processing
  • Attentive, friendly service from start to finish
HARP Financing

Cut down on housing costs with the Home Affordable Refinance Program (HARP). If you’re current on your payments and have little to no equity in your home, you may be able to get a new, more affordable, more stable mortgage from FNBC. This program is designed for homeowners who have not been able to refinance, due to a decline in value of their home.

Potential Benefits

  • Lower mortgage payments by taking advantage of current rates
  • Shorter term for your mortgage payment plan
  • Long-term affordability and stability of your mortgage
  • Ability to choose a fixed-rate mortgage to prevent changes in your payments
  • Saving money by avoiding a new appraisal
  • Guidance throughout the entire process from FNBC’s expert lenders


  • Your loan is owned by Freddie Mac or Fannie Mae*
  • Note date on your mortgage is on or before May 31, 2009
  • You’re current on your mortgage payments**
  • Current income and credit score are not considered
  • Little to no home equity necessary
  • Available for primary residences, second homes, or investment properties
  • Available even if you’ve been previously turned down for refinancing

Find out if Freddie Mac owns your loan.

*Please speak to a loan specialist for a bank referral.

**You must have no late payments in the past six months and no more than one late payment in the last year.

No need to wonder, “What if?”