Mortgage Products

The First National Bank of Elmer is proud to offer an extensive range of residential mortgage products, designed to be competitive with those available anywhere in the country. Our mortgage options come with some of the lowest rates you’ll find, making homeownership more accessible and affordable. What sets us apart is not only our great rates but also our commitment to providing fast, friendly, and personalized service, ensuring that each customer feels supported throughout the entire process.

Our competitive Mortgage Loan Department is staffed by a team of experienced professionals who are dedicated to understanding your unique borrowing needs. Whether you’re a first-time homebuyer or looking to refinance, our knowledgeable experts are here to guide you every step of the way.

We offer a variety of flexible terms and loan options tailored to fit your financial situation, helping you achieve your homeownership goals with confidence. At The First National Bank of Elmer, we strive to make the mortgage process as smooth and stress-free as possible, so you can focus on what matters most—finding the perfect home.

Fixed Rate Mortgages

We have Fixed Rate Mortgages to meet your mortgage needs. Popular for buying or refinancing your home, our fixed rate mortgage options come in varying term lengths and can fit whatever square footage you’re looking to move in to.

• Competitive rates and flexible terms for affordable payments
• Low closing costs
• Local decision making for fast approvals, Employees committed to customer service
• Local underwriting for faster decisioning
• Friendly service every step of the process from experienced bankers
• FHA and U.S.D.A. loans available
• Communication to keep you updated about your loan’s progress

Jumbo Mortgages

We offer higher-than-conventional loan limit options for those going BIG. Whether you are buying, refinancing or finally adding that much needed or desired renovation, we have the fixed-rate and ARM options to fit your unique needs.

• Competitive rates and flexible terms for affordable payments
• Low closing costs
• Local decision making for fast approvals, Employees committed to customer service
• Local underwriting for faster decisioning
• Friendly service every step of the process from experienced bankers
• Communication to keep you updated about your loan’s progress

Adjustable-Rate Mortgages

We have Adjustable-Rate Mortgages (ARM products) to meet your mortgage needs. Popular for buying or refinancing your home, our fixed and adjustable-rate mortgage options come in varying term lengths and can fit whatever square footage you’re looking to move in to.

• Competitive rates and flexible terms for affordable payments
• Low closing costs
• Local decision making for fast approvals, Employees committed to customer service
• Local underwriting for faster decisioning
• Friendly service every step of the process from experienced bankers
• FHA loans available
• Communication to keep you updated about your loan’s progress

Construction Mortgage

We offer construction-only loans and construction to permanent mortgages for those looking to build their dream home. Available for acquisitions, development, and construction. Our expert mortgage originators walk you through every step of the construction process to ensure a satisfactory experience. We are your go-to lender for building the home of your dreams.

• Competitive rates and flexible terms for affordable payments
• Low closing costs
• Local decision making for fast approvals, Employees committed to customer service
• Local underwriting for faster decisioning
• Friendly service every step of the process from experienced bankers
• Communication to keep you updated about your loan’s progress