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Affordable Homeownership

Powerful resources to help you own your dream.

Diverse Solutions for Homebuyers

We offer a wide range of resources for people of all income levels — including mortgages that require little or no down payment — and we consider less-than-perfect credit. Recent enhancements to our offerings include an expanded closing cost assistance program, fully digital mortgage experience and no-overdraft-fee eStyle checking accounts.1

Up to $5,000 Closing Cost Assistance2

FNB Home Ownership or FNB Home Rehabilitation Program applicants may qualify for a Closing Cost Assistance Grant, available to borrowers who have low or moderate income or who are purchasing a home in a low- to moderate-income (LMI) community.

Want to find out if you are eligible? Call us or schedule an appointment now.

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How can we help?

We’ve been helping our neighbors become homeowners for more than 150 years. As part of our ongoing commitment to the communities we serve, we have expanded our offerings to encourage homeownership and financial independence — especially in historically underserved communities.

FNB Home Ownership Program

FNB Home Ownership Program

Our FNB Home Ownership Program and Closing Cost Assistance grant provides the necessary assistance to help you get into that first home or buy the home you've always wanted.

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FNB Home Ownership Plus Program

FNB Home Ownership Plus Program

FNB Home Ownership Plus promotes homeownership in predominantly minority communities with a simple and affordable financing solution.

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Connecting to Possibilities

Strengthening our communities by supporting affordable homeownership. Learn in new tab

Affordable Home Ownership
Home Rehabilitation Program

FNB Home Rehabilitation Program

When you find the right home, but it needs a little work, the FNB Home Rehabilitation Program® and Closing Cost Assistance Grant can help you buy it and finance repairs.

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FHA Mortgage

FHA Mortgage

A Federal Housing Administration (FHA) Fixed Rate Mortgage loan is designed to help first-time and experienced homebuyers by providing them with a lower down payment option. This is a great way to reduce barriers to homeownership.

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VA Home Loan

VA Home Loan

Backed by the U.S. Department of Veterans Affairs (VA), the VA Home Loan offered through FNB is designed to help active-duty military personnel, veterans and certain other eligible homebuyers become homeowners at an affordable cost.

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USDA Home Loan

USDA Home Loan

Many people think a U.S. Department of Agriculture (USDA) Home Loan is only for farmers or those living in a rural area, but that is far from the case. Around 97 percent of the land in the U.S. is eligible for this type of loan. USDA Home Loans help families to purchase homes in rural and suburban areas with significant benefits.

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Home Possible

Home Possible® Program

Designed for low- to moderate-income borrowers, this program offers more options and credit flexibility.

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HomeReady Program

HomeReady is ideal for first-time or repeat homebuyers that have low income and limited cash for a down payment. HomeReady offers innovative income flexibilities to help borrowers qualify for an affordable mortgage.

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Notices & Disclosures
1 - FNB will decline or return transactions when a customer does not have sufficient funds available in his/her account to cover a transaction but cannot prevent the account from being overdrawn. If the account is overdrawn, the customer will not be charged an overdraft fee. The customer is responsible for any transactions that overdraw the account and for returning the account to a positive balance.

2 - Restrictions and qualifications apply. All loans are subject to credit and property approval.

Member FDIC.
Equal Housing Lender. NMLS# 766529

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