Mortgages

Are you in the market for a new home?

Refinancing or updating your current home?

The FNB Community Bank offers many different loans to help you with exactly what you need.

Our loan options include:

  • Fixed-Rate Long Term - Long term fixed-rate mortgages provide a customer with a long-term, fixed rate over the life of the loan. Fixed-rate mortgages are available in various terms to meet your needs. Qualified applicants can purchase a home with a down payment as small as 3%. Approval is subject to automated underwriting.
  • Zero Down - Qualified applicants can purchase a home with zero money down. This program is offered through the USDA. Approval is subject to USDA Rural Development guidelines.
  • Adjustable Rate - Long term loans with interest rate adjustments made at scheduled dates. Interest rate caps limit the interest rate fluctuation that can affect your loan. The maximum interest rates your loan could be subject to are stated in the original loan agreement.
  • First Equity Line / Home Equity Line of Credit - The FNB Community Bank's Home Equity Line of Credit allows you to use checks to access the equity in your home. You may use this line of credit for remodeling projects, vehicle purchases, college expenses, or other purchases.

Apply Online

Application takes approximately 5 to 15 minutes.

You may save and return anytime to complete.

To apply, you will need:

  • Best estimates of income;
  • Current mortgage information (if applicable);
  • Social Security number for all applicants;
  • Contact and employment information.

 

Apply Online

 

Meet Your Loan Officer

  • Steven Henna smiling for the camera
    Steve Henna
    Chief Lending Officer

    432 W. Gallatin St.
    Vandalia , Illinois 62471
    Phone: (618) 283-5242
     

     

  • Jennifer Lay smiling for the camera
    Jennifer Lay
    Loan Officer

    227 S. Superior St.
    Ramsey , Illinois 62080
    Phone: (618) 423-2396


    MLO# 420373

     

     

  • Joe Schaal wearing a dark suit and smiling for the camera
    Joe Schaal
    Commercial Loan Officer

    432 W. Gallatin St.
    Vandalia , Illinois 62471
    Phone: (618) 283-5264
     

     

  • Steve Hickerson wearing a dark suit
    Steve Hickerson
    Commercial Loan Officer

    209 Railroad St.
    Patoka , Illinois 62875
    Phone: (618) 283-5202
     

     

  • Ty McNary wearing a white shirt and red tie
    Ty McNary
    Commercial Loan Officer

    432 W. Gallatin St.
    Vandalia , Illinois 62471
    Phone: (618) 283-5243
     

     

  • Quinton Wadkins smiling for the camera
    Quinton Wadkins
    Mortgage Loan Supervisor

    432 W. Gallatin St.
    Vandalia, IL 62471
    Phone: (618) 283-5269


    MLO#1994052

     

     

  • Clinton Hood smiling for the camera
    Clinton Hood
    Loan Officer

    432 W. Gallatin St.
    Vandalia , Illinois 62471
    Phone: (618) 283-5239
     

     

  • Lauren Robison smiling for the camera
    Lauren Robison
    Loan Officer

    1310 E. City Route 40
    Greenville , Illinois 62246
    Phone: (618) 664-0300


    MLO# 2080440

     

     

  • Kayla Crabtree
    Consumer Loan Originator

    432 W Gallatin St
    Vandalia , Illinois 62471
    Phone: (618) 283-1141


    NMLS# 2315016