Home Ownership and Rehabilitation Programs

Two great programs from FNB - one low cost option to buy that perfect home, and another to give that fixer upper the care and attention it deserves!

We understand that buying a home is an exciting milestone, and that it is also more than a little overwhelming.
Our Home Ownership Program* lets you get more for less money out of your pocket, thanks to features such as:

Little or no down payment requirement

No mortgage insurance requirement

Credit scores as low as 620 considered

Closing funds can come from a family member gift or a non-profit or government-approved grant


In addition to our Home Ownership Program, FNB offers a Home Rehabilitation Program* in the event that your perfect house needs a little TLC. The Home Rehabilitation Program gives you the same benefits of the Home Ownership Program along with the ability to finance the costs of repairs, renovations, or additions.
At FNB, we understand your home buying journey will be as unique as you are, so you can trust us to provide a mortgage specifically designed for your needs.



*Available on one-unit, single family primary residence. Maximum purchase prices apply and may vary by market. Home ownership counseling required by government approved agency and written certification upon completion. Household income must be less than 80% of the area median income, as published by HUD, for the county in which the property is located. Property must be in an eligible LMI designated census tract. See an FNB Mortgage Originator for complete details. All loans are subject to credit and property approval. This is not a commitment to lend. NMLS# 766529.