First National Bank
First National Bank
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First National Bank


First National Bank NMLS Number 768525

First National Bank Mortgage Loan Originators

Noni Duncan 773381
Alice Hollingsworth 773383
Donna Norman 773386
Cathy Pittsenbarger 773388
Paula Wykle 773390
Adam Rogers 608716

In compliance with Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) ,First National Bank discloses the licensing information for its Mortgage Loan Originators (MLOs). The SAFE Act is designed to enhance consumer protection and reduce fraud through the setting of minimum standards for the licensing and registration of state-licensed mortgage loan. MLOs who work for an insured depository, or its owned or controlled subsidiary that is regulated by a federal banking agency, are registered. The SAFE Act also requires all MLOs to submit fingerprints to the Nationwide Mortgage Licensing System (NMLS) for submission to the FBI for a criminal background check.

Consumers may use a free service to confirm through the Nationwide Mortgage Licensing System & Registry to confirm that the mortgage professional, with whom they wish to conduct business, is licensed in their state. That service can be found at



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Local Decisions
Business Loans
Business Loans
First National Bank

Adjustable RateMortgage

Primary Residence

3% Down-payment**
We don't charge an Application Fee, Documentation Fee, Origination Fee, Loan Fee or
Private Mortgage Insurance -PMI.

Reduced Closing Costs***

*Annual PercentageRate. This is a variable rate loan. Introductory rate of 3.50% APR rateadvertised is for primary residence and is valid for the first 3-yearterm. Example terms of repayment for a$100,000 loan, with a 3.50% APR, amortized over 30 years, would be $449.14 for36 months then the loan becomes an adjustable rate term set on the 3-yearTreasury Index plus 3.25%. As of 1/07/14, this would be a payment of $479.26for a $100,000 loan. The payments do not include amounts for taxes andinsurance premiums. The actual payment will be greater if these chargesapply. Interest rate cannot increase ordecrease more than two percentage points every three years and no more than sixpercentage points for the life of the loan. $30,000 minimum loan amount.30-year maximum loan term. Rates are subject to change, and are based on acredit score of 690 or above; 32% Debt-To-Income ratio. **3% down-payment; up to 97% Loan-To-Value(LTV). Loan subject to credit and property approval. Rates may behigher based on meeting loan criteria. Other qualifications orrequirements may apply and offer may change at any time. First National Bankmortgage customers are eligible to refinance if a minimum of $50,000 of newfunds are added to existing loan amount. 5-Year ARM also available. ***Closing costs for appraisal, title search and flood determinationwill not exceed $775. Additional costssuch as title insurance, recording fees, inspections, prepaid interest,escrows, insurance, taxes, surveys or other may apply. Offer subject to change at any time.

Home Equity Line of Credit

Special HELOC

No Closing Costs**

*Annual Percentage Rate. 2.99% APR advertised is for primary residence, accurate as of 1/08/14 and based on a credit score of 690 or above; 36% Debt-To-Income ratio.  Introductory rate of 2.99% APR valid for the first 12 month term which changes to an adjustable rate of NY Prime as published by the Wall Street Journal.  Maximum interest rate is 18%.  90% Loan-To-Value (LTV).  Loan subject to credit and property approval. Rates may be higher based on meeting loan criteria. Current insurance on the property that secures the account as well as taxes and tax tickets are the responsibility of the borrower.  Consult a tax advisory regarding the deductibility of interest.  Other qualifications or requirements may apply and offer may change at any time. $50.00 annual fee.  **Closing costs include attorney fee, appraisal, credit report, flood determination and recording fee. 

First National Bank is well known for a high level of personal service, stable and experienced staff and a broad range of loan products. We strive to create lasting relationships with our customers and our loan decisions are made locally.

Mortgage Loan - A home is typically the single largest investment most people make, so First National Bank offers a variety of mortgage products designed to fit the unique needs of each customer. Whether your home is a new purchase or a refinancing of your current mortgage, check with us first.

Consumer Loans - Consumer loans can be used for home improvements, automobiles, boats, recreational vehicles, debt consolidation, and education. Call us to discuss your personal needs, and we will customize a loan for your unique financial situation.

Home Equity Loans / Lines of Credit - First National Bank offers both home equity loans and lines of credit that enable you to borrow only the amount you need. If you're a homeowner, you can borrow against the equity you have built in your home to fund major purchases, such as college tuition, investments, home improvements or debt consolidation. Contact a First National Bank office for additional information.



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Last Updated On: 4/11/2012 3:00 PM
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