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      Set interest rate for the life of the loan

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      Fixed monthly principal and interest payment

    • Stack of Money

      Low down payment

    • Guaranteed icon

      Less-than-perfect credit will be considered for approval

  • A Smart Low-Down-Payment Option:

    A Federal Housing Administration (FHA) Fixed Rate Mortgage from FNB can help you attain the home of your dreams.1 Fixed rate mortgages are the most popular form of home loans in the U.S. largely due to the appeal of a consistent principal and interest payment amount over the life of the loan.2,4 As the name implies, a fixed rate mortgage loan is one where your interest rate remains the same for the duration of your loan. With this special program, you may be eligible for a down payment.

    What is the FHA?

    The Federal Housing Administration (FHA) was founded in 1934 as a direct response to difficulties in the housing industry related to repayment terms, interest rates, mortgage affordability and unemployment. FHA loans are offered through FHA-approved lenders.

    Key Features:

    • Set interest rate for the life of the loan4
    • Low down payment
    • Fixed monthly principal and interest payment
    • Flexible terms available
    • Less-than-perfect credit considered

    Key Benefits:

    • Interest rate doesn’t change over time.
    • Interest may be tax deductible.3

    Great For:

    • First-time homebuyers
  • Applying for a FHA Fixed Rate Mortgage:

    Whether you would like to get pre-qualified or begin the application process, we have convenient ways for you to get started. You can begin by adding this product to your bag. During the checkout process, you can select the option to get started online or set up a time to meet with one of our experts.

    Getting Prepared:

    It is helpful if you have the following documents with you during the application process:

    • Fully executed purchase agreement, if available
    • Most recent 30 days of pay stubs
    • Most recent two (2) months of bank statements
    • Prior two (2) years of your W2s
    • Prior two (2) years of tax returns
    • Current driver’s license or photo ID

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Notices & Disclosures
1 - All loan products are subject to underwriting/credit approval. 
2 - FNB is an Equal Housing Lender; NMLS #766529.
3 - Interest may be deductible; check with your tax advisor.
4 - Mortgage Insurance is required on all FHA loans. Costs and terms may vary. Please contact a Mortgage Banking Consultant for more information.

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