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First-Time Homebuyer

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Flexible Options

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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.

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How can we help?

Buying your first home can feel overwhelming. FNB makes it easier —with all the personal guidance, tools and resources you need. We’ll also help you find an affordable mortgage with a low rate and flexible terms to fit your budget.

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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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 option to make homeownership more affordable.

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

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