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Home Mortgages

Making a move? We love our communities, and that’s why helping you get into your dream home in your own dream community is the FNBC Mortgage Lending Team’s top priority.

 

Give us a call at 870-333-7078 to get started today!

What We Offer

Conventional Mortgages


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  • Ideal for buyers with good credit, stable income and a sizable down
    payment
  • Not backed by a government agency like FHA or VA
  • Can save more money over the life of the loan compared to other options
  • No upfront mortgage insurance premium required
  • Offers various repayment terms with flexible mortgage rates
FHA Loans


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  • Insured by the Federal Housing Administration (FHA)
  • Popular with first-time homebuyers due to less strict down payment and
    credit score requirements
  • Ideal for borrowers without a large down payment or have lower credit
    scores
  • Suitable for those who may not qualify for private mortgage insurance
    (PMI)
VA Loans


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  • Backed by the Department of Veterans Affairs (VA)
  • Available to U.S. military members, veterans and their surviving spouses
  • Offers no down payment, low interest rates and minimum closing costs
  • Requires suitable credit, sufficient income and a valid Certificate of
    Eligibility
  • The home must be used as the borrower’s primary residence
Rural Developments Loans


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  • Designed for purchasing homes in eligible rural areas
  • No down payment required and competitive interest rates
  • Ideal for those who may not qualify for traditional financing
  • Provides a pathway to affordable homeownership in rural communities
Construction Loans


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  • Short-term financing for building or renovating homes
  • Ideal for custom home builds or major renovations
  • Offers flexible terms and interest rates tailored to the construction timeline
  • Allows financing to grow with your project, turning your vision into reality
Standard Non-Conforming Loans


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  • Ideal for buyers needing higher loan amounts or with unique financial
    situations
  • May provide more flexible approval criteria for credit scores and down
    payments
Jumbo Loans


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  • Designed for financing properties that exceed conforming loan limits
Medical Professional Home Loans


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  • Up to 104% financing
  • No private mortgage insurance
  • Eligible physicians
    • Medical – MD
    • Osteopathic – DO
    • Orthopedic Surgeon — FAAOS
    • Podiatric – DPM
    • Dental Surgeon – DDS
    • Dentist – DMS
    • Optometrist — OD
    • Registered Pharmacist — RPh
    • Chiropractor — DC
    • Radiologist — FACR
    • Anesthesiologist
    • Certified Registered Nurse Anesthetists — CRNA

Let’s Chat About Our Mortgage Options

Stop by, give us a call at 870-333-7078 or complete the form below to visit with one of our expert mortgage loan originators and start making your way home today!

Ask Us About Our Mortgage Options

Name(Required)
Please let us know what's on your mind. Have a question for us? Ask away.

 

Visit Our Mortgage Center Today To Begin The Pre-Approval Process

 

Mortgage Lending Team

Allen Moore

Allen Moore

Senior Vice President
Commercial Lender Head of Mortgage Lending

Mountain Home

870.508.0241

#NMLS 424315

Debbie Howard

Debbie Howard

Vice President
Mortgage Loan Originator

Mountain Home

870.508.0236

#NMLS 641710

Karrigan Crabtree

Karrigan Matthews

Mortgage Loan Originator

Highland

870.257.1804

#NMLS 2689300

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