Conventional Fixed-Rate Loans
Conventional Loans
Our most popular home financing option – with good reason! Whether you’re refinancing a home, or purchasing a home, cabin, or investment property, start with a loan that starts with YOU. With an FNC Bank conventional fixed-rate loan, you’ll take advantage of:
Competitive Rates
Only 3% Down Payment Minimum
Zero Origination Fees
A conventional fixed-rate mortgage is a loan in which the interest rate remains the same for the life of the loan. This popular mortgage option allows homeowners to choose the term that fits their goals and budget. Conventional loans are commonly used in refinancing, investment properties, or purchasing a primary or secondary home.
FNC Bank offers competitive rates, zero origination fees, and flexible loan term options including 10 year, 15 year, 20 year or 30 year*. Short on cash for a down payment? No problem! Our conventional loan allows you to pay as little as 3% down, and up to as much as you’re comfortable with. However, if you are able to apply a down payment of 20% or more, you can potentially lower your monthly cost by eliminating the need for private mortgage insurance (PMI).
No closing cost loans available upon request – contact a mortgage lender for a quote.
Just starting your home search? Before you start searching for that perfect home, contact one of our mortgage lenders to discuss your goals and financial situation as well as start the prequalification process. A prequalification sets you up for success and provides you with information that will help you determine the budget and price range you’re comfortable with long term.
Contact a mortgage lender for more information, or apply now and someone will reach out to you shortly.
Loans are conditional on credit approval and completed appraisal. Property and flood insurance required where applicable.
*For current rates and payment examples, please visit our mortgage Rate Webpage.