Personal Loan Solutions

We offer a full range of loans to meet your personal financial needs, all with competitive rates and flexible terms. Our loans range from Home Mortgages to Personal Loans for almost any purpose. Our Home Equity Line of Credit or Signature Line of Credit gives you access to funds when you need them, at a very competitive rate.

Choose from the following loans and lines of credit:


Mortgage Loans

Whether you are buying your first home, refinancing to take advantage of equity, or building your dream home, First National Bank and Trust has a home loan to meet your needs. Our experienced mortgage professionals work closely with you from start to finish and present you with options to help you make a comfortable choice for your home loan needs.

A Fixed Rate Mortgage Loan lets you establish a fixed monthly payment for consistency in budgeting. Choose from a variety of terms to structure a payment schedule that best suits your needs. An Adjustable Rate Mortgage Loan (ARM) typically offers a lower initial rate than fixed rate mortgages, and may allow you to qualify more easily for the house you want to buy. Choose from a variety of terms to create a payment plan that fits your income and budget.

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First Equity Line of Credit

A First Equity Line of Credit is a pre-approved line of credit secured by the equity in your home. You can access the funds anytime that you need them by simply writing a check. Our home equity line offers no closing costs and low interest rates. You will receive a monthly statement which details your purchases and payments. Your monthly payment is 1.5% of the average loan balance, with a $50.00 minimum. And the interest that you pay may be tax-deductible (consult your tax advisor for details).

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First Signature Line of Credit

Tired of having to apply for a loan every time you need to make a purchase? Then a First Signature Line of Credit may be for you. First Signature is an unsecured revolving line of credit with a maximum credit limit of $10,000.00. You can advance funds by simply writing a check. A monthly statement is mailed to you each month, listing your purchases and payments. The low monthly payment is 2% of the principal balance including interest, with a minimum of $50.00 per month.

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Other Loans

We offer a full range of loans to meet your personal financial needs, all with competitive rates and flexible terms. Our loans range from Auto, RV and Boat Loans to Personal Loans you can use to buy furniture or appliances, consolidate bills or even travel. See a member of our lending staff today.

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First National Bank and Trust, Institution ID#774647

Glenn Calebs, NMLS#789968

Mark Williams, NMLS#790004

James Les Sparks, NMLS#789876

Debra Pierce, NMLS#790006

Claudette Mitchell, NMLS#790001

Jason T. Burton, NMLS#1625520