Whether you are buying your first home, refinancing to take advantage of equity, or buying your first car, First & Farmers has a loan that will help you achieve your goals.  Our commitment is to putting your needs first, and our promise is to meet your needs with fast, efficient service. 

Contact one of our knowledgeable lenders by clicking on the "Choose Your Lender" link on the left hand side of this page for more information about applying for a loan!

Mortgage Loans

$99 Mortgage Closing Costs* for a limited time only!

In-House Mortgage Loans are now available with only $99 closing costs. Contact one of our lenders from the "Choose your Lender" link for more information or to apply today!

*Subject to credit approval. Certain terms and conditions may apply. Based upon financing of $100,000 on a 5/1 ARM at Annual Percentage Rate of 4.375% amortized for 15 years, the estimated monthly payment on principal/interest is $758.62. Closing costs of $99.00 are not included in financed amount. Closing costs do not include prepaid interest, taxes, insurance and escrow reserves. To obtain offer, you must be purchasing or refinancing owner-occupied residential real estate. For a limited time only.


Finding the right financing for your needs can be confusing. First & Farmers National Bank makes home financing understandable, easy and convenient. Whether you're interested in a zero down payment mortgage, an adjustable rate mortgage, or even fixed rate mortgage, we have the loan to fit your needs.  Our experienced mortgage professionals work closely with you from start to finish.  There are many choices in terms and rates based on your personal needs.

Freddie Mac Fixed Rate Mortgage Loans

If you have a Freddie Mac Fixed Rate Mortgage Loan with First & Farmers National Bank, you may access "Your Loan Servicing Center" by clicking on the "First & Farmers Freddie Mac Mortgage Loan" link on the left side of this page.

Mortgage Pre-Approval

Looking for a home but not sure how much you can afford? Our easy-to-use mortgage pre-approval program shows you how much you can expect to borrow, so you can search for a home with confidence. Once you are qualified, you are in a solid position to negotiate price. Then, if you decide to buy, you have already started the loan process, so you can close and move into your new home faster.

Bridge/Swing Mortgage Loans

A Bridge/Swing Mortgage Loan is a short-term loan secured by a mortgage on your present home.  It allows you to utilize equity from your current home to complete the purchase of a new home before your present home is sold.

Construction Mortgage Loans

If you are building a home, you may opt for a First & Farmers Construction Mortgage Loan tailored to your project's particular requirements.

Home Equity Loan

A home equity loan is a fixed-term loan allowing you to borrow a predetermined amount for a fixed period of time. Similar to our Personal Installment Loan, this loan is available with fixed and variable rate options, and terms ranging from 5 to 20 years. However, a Home Equity Loan will benefit you because your interest payments may be tax deductible. (Consult your tax advisor for details.) This loan is ideal for consolidating debt, paying for home improvements, college tuition or any other large expenses.

Home Equity Line of Credit

A home equity line of credit offers the flexibility to draw from your line time and time again. You simply make monthly payments based on a small percentage of your used line of credit. You enjoy the benefits of tax deductibility of interest payments just as a traditional Home Equity Loan. (Consult your tax advisor for details.) This line of credit is ideal for any type of purchase large or small.

Personal Installment Loan

A Personal Installment Loan is structured to be paid back in regular installments over a specified timeframe. This type of loan is available with fixed rate, and offers various terms ranging from a few months to a few years. The Personal Installment Loan is ideal for purchasing new or used automobiles, boats, RVs, and other expensive items.

Thanks for choosing First & Farmers National Bank to serve your financial needs!


To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who is granted a loan.

What this means for you: When you apply for a loan, we will require your name, physical street address, date of birth, and other information that will allow us to identify you. We may also require to see a copy of your driver's license or other identifying documents.

Blank Images - test

First & Farmers National Bank
Copyright © 2011 - All rights reserved.

If you are using a screen reader and are having problems using this website, please call
888-384-2361 for assistance.