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Building a house

Residential Mortgages

Guidance for one of life's biggest financial decisions.

Financing a home does not have to be complicated. The mortgage experts at FNB can help you navigate options to choose the best financing solution for you.

Our Mortgage Options

Whether you’re looking to buy, refinance, build or fix up a home, we have a mortgage that can help you achieve your dreams. Click on a box to learn more or click Get Started to begin your journey.

  1. Buy a Home
  2. Refinance a Home
  3. Build a Home
  4. Renovate a Home

Affordable Mortgage Options

  1. First Time Homebuyer

    At FNB, we offer a wide range of products to help you buy your first home. From home loans with little or no down payment requirement, to government programs designed for first-time homebuyers. Some applicants may even qualify for closing cost assistance.

    Learn More >

  2. Affordable Homeownership

    blue house

    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.

    Learn More >

  3. Diverse Lending Opportunities

    FNB Home Ownership Plus is a new mortgage loan designed to mitigate common financial barriers to homebuying in diverse communities. FNB’s Home Equity Plus program enables consumers to finance improvements to their homes.

    Learn More >

Connecting to Possibilities

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

Affordable Home Ownership
doctor and patient

Mortgage Solutions for Physicians

Most physicians have unique banking needs. That’s why we developed a mortgage program especially for you.

Learn More

Learning about the FNB Mortgage Experience

Financing a home is one of the biggest financial decisions you will make in your lifetime. Whether you are buying a home, refinancing an existing home, building the home of your dreams or renovating a home into something special, you need a bank with trusted mortgage professionals who can provide the options you need and the service you deserve.

Loan Process Milestones

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Tell us about yourself so we can find the loan option best suited for you.

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Pre-Approval Letter

If buying a home, shop confidently and know what you can afford.

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Submit documents to help us verify the information you provided.

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We will review your application and let you know if additional information is needed.

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Underwriters will review your application for program eligibility.

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Initial Approval

Upon receipt of conditional underwriting approval, please provide requested documents quickly.

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Clear to Close

Review your Closing Disclosure containing the final approval details of your loan.

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Review and sign the final paperwork for your loan.

Mortgage Calculators

  1. Article

    First Time Home Building

    Building your first home is a significant financial decision. While you may be excited to begin looking for the ideal property and...

  2. Article

    Building a Home

    A packed schedule leaves little time to research home building and financing options. Consider the following steps to simplify pro...

  3. Article

    Physicians Home Building and Financing

    As a physician, your busy schedule may leave scant time to research home building and financing options. Specialized financing pro...

Notices & Disclosures
  • All loan products are subject to underwriting/credit approval.
  • FNB is an Equal Housing Lender; NMLS #766529.

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