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    • Stack of Money

      Little or no down payment required

    • Dollar Sign Crossed Out in Circle

      No mortgage insurance requirement

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      Less-than-perfect credit considered for approval

    • Gift icon

      Gifts or grant money can be used for closing costs

  • Everyone Needs a Little Help:

    As you build your finanial future, the foundation starts with leveraging the power of home ownership. With FNB's Home Ownership Program, we can help you buy the perfect house and make it a home. Our Home Ownership Program is designed to help strengthen communities by providing an affordable, simple way to buy.

    Key Features:

    • Little to no down payment required
    • No mortgage insurance required
    • Credit scores 620 and above considered
    • Gifts and grant money are permitted to be used for closing costs

    Key Benefits:

    • A lower down payment means less money you’ll need to have on hand to purchase your home.
    • No mortgage insurance results in a lower monthly payment.
  • Applying for the FNB Home Ownership Program:

    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

With any account, you also get the latest in digital technology:

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FNB offers a full breadth of products and services for your needs.

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

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