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.
For current rates, please contact a Mortgage Lender.
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
(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 shouse/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.Tiffany
(Mortgage lender) helped my wife and I buy our first home. He’s an exceptional Mortgage Officer. He was great at communicating and working with us. We had a lot of questions, and he was very instructive about the process and what we needed. He made it easy for us as first-time buyers. Even before we found the home we ended up buying I would ask him for pre-approval letters on nights and weekends, expecting a response the next business day, but instead I’d have it within an hour or two. Very impressive! FNC had very competitive rates too. I highly recommend reaching out to (lender) and the rest of the FNC team if you’re in the housing market.James
I 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.Gavin
My 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!Julia
Really great bank, down to earth and personal. Does not have the corporate feeling vibe, long holds on the phone etc. High quality experience for sure. If buying a home, (FNC Bank) is truly fantastic.Shawn
Fantastic team! Knowledgeable, prompt, and professional across the board - from a simple savings account, to complex mortgage products, they find the best way to make it work for you.Derek
We will continue to recommend FNC Bank to our family and friends. I've long held accounts here but we recently purchased a home and (mortgage lender) was incredible in assisting with the process. He communicated effectively and efficiently and made the entire process simple and painless. He was prompt to respond, even on weekends! I highly recommend choosing this local bank for your financing needs or simply your checking account, you won't regret it!Charlene
(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!Taylor
This bank {all branches} is outstanding! We have been with them since they acquired the Dresser Branch in 2014 / 2015. We have our personal + business accounts with them. The business side (commercial lender) has been great to work with. Until recently we had only gotten business loans through them. When we were looking to build a new home, we inquired who we should talk to. He sent over (mortgage lender) contact information. Which I immediately contacted him. The speed of the response and knowledge he has was amazing! Our construction loan and mortgage were very complicated for many reasons. (Both lenders) worked together and got everything done with very little from us, they took the ball and ran with it! We are very happy and always refer these guys and FNC Bank to anyone looking for a loan.Bryan & Katie
I have been with FNC Bank for 20+yrs. We went to FNC for a construction loan and a checking account when we 1st moved here. We both wanted something more out of a bank, one that would make us feel like we were people not just an account that we had where we had been. Boy, did they come through from loan officers to the tellers. From that 1st construction loan, the loan officers have always helped us save $$$ like helping us lock in a rate to refinancing and equity lines. Making the process so easy. The tellers are always so helpful. Everyone has always been professional, and yet making you feel like family, just what we were looking for. They are "like a good neighbor" in everyway.Jana
I’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 him and FNCB to anyone looking for a great experience with the mortgage or refinance process.Kris
At 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.Jordan
(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 recommendNick
Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.Christine
I 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!Shelley
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
My 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 (lender) once again!Chase
I 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.Steve
