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    • House money icon

      Maximize your equity

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      Less-than-perfect credit considered for approval

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      Fixed monthly principal and interest payment

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      Fixed rate mortgage with multiple repayment terms

  • A Smart, Low Down Payment Option:

    A Fannie Mae 97% Fixed Rate Mortgage from FNB can help you maximize your equity when refinancing.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 As the name implies, a fixed rate mortgage loan is one where your interest rate remains the same for the duration of your loan.

    What is Fannie Mae?

    Federal National Mortgage Association (FNMA), commonly known as Fannie Mae, is a U.S. government-sponsored enterprise that provides mortgage financing and special programs for mortgage lenders like FNB.

    Key Features:

    • Set interest rate for the life of the loan
    • Borrow more against your home's value
    • Fixed monthly principal and interest payment
    • Multiple repayment terms available
    • Less than perfect credit considered

    Key Benefits:

    • Interest rate doesn’t change over time
    • Interest may be tax deductible3
  • Applying for a Fannie Mae 97% Fixed Rate Mortgage:

    Whether you would like to get pre-approved or begin the application process, we have convenient ways for you to get started. You can begin by adding this product to your cart. 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:

    • 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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Notices & Disclosures

1 - FNB is an Equal Housing Lender; NMLS #766529.
2 - All loan products are subject to underwriting/credit approval.
3 - Interest may be deductible; check with your tax advisor.

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