Adjustable and Fixed Rate Conventional Home Loans

Adjustable Rate Conventional Home Loans

An adjustable-rate mortgage has a variable interest rate after an initial fixed period. Once the fixed-rate period ends, your interest rate will adjust based on the market. There are limitations to the rate increase giving you an extra layer of security for your rate adjustment.

Adjustable-rate loans can be a great choice while tradition fixed rates are high or if you plan to sell your home in a few years. The underwriting is in-house and all servicing is kept at The FNB Community Bank, where we are local lenders making local decisions.


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Fixed Rate Conventional Home Loans

A fixed-rate mortgage provides a customer with a long-term, fixed rate over the life of the loan. Fixed-rate mortgages are available in various terms from 10 to 30 years to meet your needs. Qualified applicants can purchase a home with a down payment as small as 3%.

Fixed rate mortgage is a great option to lock in your rate for an extended period of time especially when interest are on the rise. Fannie Mae guidelines apply.


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Our experienced team is eager to help you find your next home!

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

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




  • Jennifer Lay smiling for the camera
    Jennifer Lay
    Loan Officer

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

    MLO# 420373



  • Lauren Robison smiling for the camera
    Lauren Robison
    Loan Officer

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

    MLO# 2080440



  • Derrick Dunn smiling for the camera
    Derrick Dunn
    Loan Officer

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




  • Kayla Crabtree
    Consumer Loan Originator

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

    NMLS# 2315016