Three families enjoying activities inside their homes

It's Time To Live Your Best Life!

As your local community bank, we truly care about what matters most to you.


Choose from a variety of lending options designed to help you achieve your goals:

First-Time Home Buyers Program

Tired of renting? Wish you had more control over your living space? If you're concerned that limited finances might prevent you from buying a home, ask if you qualify. This program offers many great benefits, including:
  • A low down payment
  • Reduced interest rates
  • Application fee refunded at closing
  • Must meet maximum household income limits based on median household income by county

Construction and Rehab Mortgage Loans

  • One Time Closing
  • Up to 95% Loan to Value (this offer does not apply to credit sale transactions)
  • Value determined by purchase price plus the cost of construction or improvements OR appraised value as completed per plans and specs
  • Can be used for both purchases and refinances (1 unit primary residences or second homes only)
  • Requires a general contractor to complete the work start to finish. Expenses and fees may include:
    - Architectural, consulting, and engineering fees
    - Labor and material costs
    - Permits, title, and property inspections



Residential Mortgages

Buying a new home can be both exciting and stressful. Our professional Mortgage Loan Originators do a fantastic job of streamlining communications and paperwork to make the process easy and enjoyable.
  • Fixed-Rate Mortgages
  • Loans for New Home Construction, Investment Properties, and Second Homes
  • Jumbo Loans
  • Government Mortgages - see additional details.

Home Equity Loans

Whether you need to pay for home improvements or you're ready to book a much-needed vacation, borrow what you need, when you need it, at a competitive rate. 
  • Home Equity Loans
  • Home Equity Lines of Credit



For more information, please call 1-800-344-2274 or fill out this form:

 


Loan application packages for VA and FHA loans are forwarded to preferred lending partners. First Northern Bank and Trust does not underwrite, decision, price, fund, or service these loans. If the loan is originated, we receive compensation for the services we provided in connection with the loan transaction.

All loans subject to credit approval. Terms and conditions apply.