First National Community Bank offers a variety of loan programs with very competitive rates.

Fixed Rate Mortgages: 

As the name suggests, fixed rate mortgages are loans on which the interest rate remains the same for the life of the loan. The terms range from 10-30 years.

Adjustable Rate Mortgage:

5/3, 5/1. The interest rate is fixed for an initial period and is subject to change every year thereafter.

Guaranteed Rural Housing:

No down payment or Mortgage Insurance required. Income limits apply.

Lot Loans:

1 year or 3 year ARM. Minimum of 20% down payment required. Payments are based on a 20 year loan. Loan balloons in 5 years.

Construction Financing: 9 month term. Interest only. Self contractors welcome.

FHA: Offering a 30 year fixed rate with 3.5% down. 

VA: Zero down, 30 year fixed rate.