In this day and age, you need a lender that understands your busy lifestyle. Most of the application process can be handled over the phone. In as little as 20 minutes, we can complete the application process and determine conditions to close a loan. We offer a variety of customized loans to meet just about every need.
Pre-Qualification – Not sure what you can afford? Let our experienced team of lenders help you determine the amount of home that would be affordable for your budget.
Personalized Service - Too busy? Call us and we will come to you.
Save Money - No points, No application or origination fees, No prepayment penalties.
Wide Array of Mortgage Products from Construction loans to 30 year fixed and Customized lending
100% Financing through Guaranteed Rural Housing
Peace of Mind - All loans are serviced by National Bank
Convenience - Make your payments at any National Bank location or use FREE On-line Bill Pay.
Fixed Rate
You'll be assured that your payment will be the same throughout the term of your loan. If rates go up, your rate will stay the same with a term that you choose. We offer 15, 20 and 30 year fixed rate loans for owner occupied property with as little as 5% down.
Balloon
If you're wanting a competitive rate but only for a short period of time, then a Balloon Loan may be what you need.
Adjustable Rate Mortgage (ARM)
A mortgage loan in which the interest rate will adjust periodically to current market rates.
Refinancing
If you refinance your home with National Bank you may be able to reduce the amount of time it will take to pay off your current mortgage or lower your monthly payment.
Guaranteed Rural Housing Program
100% financing may be available upon approval. This is a great program for those who have found the home they want but don't have the down payment. Program available only in certain areas and some other restrictions may apply. Contact your local lender for more information about this type of loan.
Construction Loans
Ready to build your dream home? With a construction loan you'll have the money available whenever your contractor needs it. When your home is completed we can establish permanent financing upon prior approval. We offer a premier construction loan. Your rate will be fixed for the 9 month construction period. We offer a rate guarantee for your permanent financing. We can lock the rate on your 30 year fixed rate financing at the beginning of your construction loan.
Information needed at application for all Residential Mortgage Loans:
Personal tax returns (2 years)
Copy of bank statements (3 months)
Pay stubs (30 consecutive days)
Signed sales contract (if applicable)
Copy of earnest money/deposit check (if applicable)
Application (PDF) – You may want to print and complete the loan application before calling your loan officer. Click here for a home mortgage lender.
Second Mortgages
If you want to consolidate some debt, buy a car or a boat, or need to make some home improvements, a 2nd mortgage may be what you need
Home Equity Lines of Credit (HELOC)
A Home Equity line of credit from National Bank lets you convert a portion of the equity in your home into cash whenever you need it. A HELOC is a revolving line of credit secured by a mortgage on your home.
Quick processing of loan application
GREAT RATE. – Rate is adjusted Annually based on National Bank’s prime rate.
LOW FEES - A $100.00 documentation fee covers all of the cost for our line of credit.
No Closing Cost
NO ANNUAL Fee
Application and checklist (PDF) – You may want to complete the loan application before calling your loan officer. Click here for a home mortgage lender.
For more details contact a local lender or call 1-800-717-3991, during banking hours.
Information needed at application for all Residential Mortgage Loans:
