At First National Community Bank we strive to offer our customers the most competitive mortgage rates available. We can custom tailor your mortgage terms based completely on your individual situation.

The rates that you are about to view are base rates only. Please keep in mind that when you are comparing rates, you must consider all of the costs involved.

Please contact one of our Mortgage Professionals to provide you with a Loan Estimate. Feel free to call our Mortgage Department at 715-243-6108 or 1-800-514-3412.

Scroll to the left to view the rest of the table.

Rate APR* Repayment
Terms
Points New Payment***
15 Year Fixed 4.125% 4.2224% 180 Months 0 20% Down Payment $745.97
30 Year Fixed 4.750% 4.8072% 360 Months 0 20% Down Payment
$521.65
FHA 4.500 5.5331% 360 Months 0 None $506.69
Construction Loan 2.74% 4.328% 9 Months 0 None Interest only
Lot Loan-3/1 ARM** 3.50% 3.753% 240 Months .50 10% Down Payment
$260.98****
Rural Housing 100%
4.500% 4.8752%
360 Months 0 1% Guarantee Fee $506.69*****
VA 4.500% 4.6851% 360 Months 0 None $506.69

Rates Disclosures

Interest rates are based on a 45-day lock period. Products and rates are subject to change without notice. All loans are subject to credit approval, acceptable collateral, and available equity.

*APR=Annual Percentage Rate based on a 20% Down payment (Excluding Rural Housing, VA & FHA)

**ARM=Adjustable Rate Mortgage. 10 year loan, based on a 20 year amortization. Rate subject to change annually. APR may increase after consummation.

***Payment based upon a Principal Balance of $100,000.00

****Payment based on a $45,000.00 loan

*****Payment based on a $101,000.00 loan ($100,000.00 purchase price with a 1% guarantee fee).


The above payments do not include amounts for taxes and insurance premiums. The actual housing expense obligation will be greater.


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