Our most popular home financing option – with good reason!
Whether you’re refinancing a home, or purchasing a home, cabin, or investment property, start with a loan that starts with YOU. With an FNC Bank conventional fixed-rate loan, you’ll take advantage of:
- Competitive Rates
- Only 3% Down Payment Minimum
- Zero Origination Fees
A conventional fixed-rate mortgage is a loan in which the interest rate remains the same for the life of the loan. This popular mortgage option allows homeowners to choose the term that fits their goals and budget. Conventional loans are commonly used in refinancing, investment properties, or purchasing a primary or secondary home.
FNC Bank offers competitive rates, zero origination fees, and flexible loan term options including 10 year, 15 year, 20 year or 30 year*. Short on cash for a down payment? No problem! Our conventional loan allows you to pay as little as 3% down, and up to as much as you’re comfortable with. However, if you are able to apply a down payment of 20% or more, you can potentially lower your monthly cost by eliminating the need for private mortgage insurance (PMI).
No closing cost loans available upon request – contact a mortgage lender for a quote.
Just starting your home search?
Before you start searching for that perfect home, contact one of our mortgage lenders to discuss your goals and financial situation as well as start the prequalification process. A prequalification sets you up for success and provides you with information that will help you determine the budget and price range you’re comfortable with long term.
Contact a mortgage lender for more information, or apply now and someone will reach out to you shortly.
Loans are conditional on credit approval and completed appraisal. Property and flood insurance required where applicable.
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What our customers are saying
ChaseMy wife and I have trusted FNC Bank with our banking needs over the last 8 years, because the customer service is second to none. This week we closed on our construction loan as we break ground on our future home. [Mortgage Lender] in the Mortgage Loan Department was laid back, informative, and efficient at getting things done in a timely matter. Couldn't have asked for a smoother process! By late September, we should be moving into our new home, and will sign paperwork for our mortgage loan. Looking forward to working with him once again!
GavinI had a great experience with [Mortgage Lender] at FNC Bank. He assisted me through the purchase of my first home and I would certainly refer him to anyone else looking for a mortgage loan. He was readily available to answer any questions I had; no matter the time of day. The process was very simple because of all the work he put into my loan. Thank you, [Lender] and FNC Bank for 10/10 business.
SteveI worked with [Mortgage Lender] on the purchase of an investment property. The transaction was absolutely seamless, he was able to secure a competitive rate and provided immediate communication and feedback whenever a question or concern came up. I would recommend working with him for your home loan or investment mortgage needs.
NathanMy wife and I had a wonderful experience working with [Mortgage Lender] to purchase our new home! [Lender] was very knowledgeable and always made time for us and our many questions. Nothing but good things to say about the process!
Taylor[Mortgage Lender] helped my husband and I buy our first home and he was excellent to work with! We have several bumps in the road and he was very responsive and helped us problem solve and get to closing day. We felt confident that he has our best interest in mind. Would not hesitate to recommend [Lender] or FNCB!
RachelI had a wonderful experience as a first time home buyer working with [Mortgage Lender]. Through the process he kept me informed and up to date on everything going on and I never felt out of the loop. My first time buying experience was a breeze and I owe a large part of that to him. I would highly recommend [Lender] to anyone in need of a loan. If you want someone who is professional, knowledgeable, and truly cares, he is the perfect person for the job.
SebastianHad the privilege to work with [Mortgage Lender] on the purchase of my first home. [Lender] was fantastic to work with as he was available at all times and was able to assist me with any questions I had. Would highly recommend working with him!
MarkellWe just closed on a home working with [Mortgage Lender] at FNC Bank and he made the process so easy and stress-free. [Lender] is very knowledgeable and always answered our questions right away. Can't recommend enough!
KyleMy wife and I were very pleased with our experience as 1st time homebuyers, having never gone through the mortgage process. We worked directly with [Mortgage Lender]. He always had time for us and our questions, providing great answers. He had us prepared for current step and was great about letting us know what was up and coming. Would definitely work with [Mortgage Lender] again!
Nick[Mortgage Lender] helped me in purchasing a piece of land and navigating a new process for me. Very timely responses and easy to talk to! Answered all of my questions I had and made it an easy process! Highly recommend
JuliaMy husband and I worked with [Mortgage Lender] for our construction loan, and he was the only one who could get it done for us! (I worked with several other banks) I highly recommend getting your mortgage or any other lending loans from this bank! Such a smooth and easy process!
CaseyI recently had the pleasure to work with [Mortgage Lender] for mortgage lending on my first home. He was absolutely the best to work with. He made the entire process easy and a lot less stressful to handle. It was clear he was knowledgeable and had my best interest at heart and I really appreciate his timely efforts in communication in such a fast-paced market. He exceeded all my expectations for a lender and I am so glad to have gone through him for my first mortgage! Thank you so much!
Andrea
My husband and I just bought our first home, and [Mortgage Lender] at First National Bank Hudson made the whole mortgage process a breeze! As first-time homebuyers, we had so many questions, and he was super patient and helpful every step of the way. He took the time to explain everything in a way we could understand and always made sure we felt comfortable with the process. We’re so grateful for his guidance and couldn’t be happier with how everything turned out.
ShelleyI worked with [Mortgage Lender] on a refinance process and he went above and beyond in so many aspects in dealing with a complex party. He was very knowledgeable, caring and responsive in all steps in the process! Highly recommend working with him in your mortgage needs!
Tiffany[Mortgage Lender] was fantastic at FNC Bank! He helped my family get a loan for our new home. We got a construction loan for a house/barndominium. I’ve always heard it can be a difficult process with a bank to get a loan for this type of home and he made it easy. He’s always helpful with any question I have and will give you a great experience.
KylieAs first time home buyers, my husband and I were very pleased to work with [Mortgage Lender] for our mortgage. He exceeded our expectations—providing answers to all of our questions, communicating with us at every turn, and always being friendly and personable! Highly recommend working with him!
As a first time home buyer, (mortgage lender) was wonderful to deal with. He was always available for questions and made sure things went smoothly and in a timely manner. Much appreciated!Courtney
KrisI’ve been a customer of FNCB for years now and they never disappoint. My daughter just bought her first home and we worked with [Mortgage Lender] for her mortgage. He was on top of things and we never had to reach out with questions because he laid out the plan very clearly. I’d highly recommend [Mortgage Lender] and FNCB to anyone looking for a great experience with the mortgage or refinance process.
ScottWe worked with [Mortgage Lender] on a construction loan. His follow up and communication were impeccable leading up to the close. [Lender] is very personable and professional. I highly recommend him and FNC for your banking needs.
JordanAt the end of this month I'll be closing my first transaction with [Mortgage Lender] at FNC Bank. It's been a pleasure working with him as he is timely with his responses and will get back to you with what you need at any time of day. Selling real estate now for 7+ years I can say that it's that kind of work ethic that will bring you more business in this profession.
