Your financial partner for the big stuff in life.
First & Farmers will help you make the best financing choice for your family — even if it doesn’t make us the most money.
Home of the $99 Closing Costs Special*
FFNB in-house offer
First & Farmers National Bank simplifies home financing.
Banking local means you get to work with local lenders who you know and trust. You are at the heart of every decision we make.
*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 4.00% amortized for 15 years, the estimated monthly payment amount on principal/interest is $739.69. 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.
Adjustable Rate Mortgage (ARM)
Local decision making with your local lender.
Fixed Rate Mortgage
Whatever your situation, we can help guide you to the loan that is best for you.
Government Loan Programs
- Freddie Mac
- If you already have a Freddie Mac Fixed Rate Mortgage Loan with First & Farmers National Bank, you may access “Your Loan Servicing Center” by clicking here.
- Veterans Administration (VA)
- Federal Housing Administration (FHA)
- Rural Housing Subsidy (RHS)
Bridge Loans
Use the equity of your current home to buy a new one without being tied to perfect timing. A bridge mortgage loan allows you to buy a new home before your current house is sold.
Construction Loan
If you’re building a home, this type of loan is tailored to your specific project.
Home
Equity Loan / Home Equity Line of Credit (HELOC)
With a home equity loan choose fixed or variable rate options, and terms ranging from 5 to 20 years. It’s great for large expenses like consolidating debt, home improvements or college tuition.
A home equity line of credit offers flexibility for any size expenses. Make monthly payments based on a percentage of your used line of credit.
Mortgage
Pre-Approval
Determine how much house you can afford so you can confidently begin the home buying process.
Personal Loan
Fixed rate, flexible terms
First & Farmers offers you the flexibility you need to get the car (or boat, or RV) you want. Personal installment loans are fixed rate loans with terms ranging from a few months to a few years.
