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First National Bank^SM is pleased to offer a wide variety of Real Estate Loans. We offer Conventional Home Mortgage Loans - Fixed Rate, Adjustable Rate or a Combination of Fixed and Adjustable Rate Loans, Construction Loans, affordable housing loan programs such as , FHA and VA Loans, all custom tailored to fit your needs. For more information on applicable terms and fees for the various types of real estate loans we offer, please contact one of our experienced Real Estate Loan Officers at any of our First National Bank^SM locations.

Real Estate Loan Information:

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How Do We Start the Process?
Applying for a home loan at First National Bank^SM is fast and simple. Our professional and knowledgeable real estate loan officers will personally go through the loan application process with you and help you with any questions you may have. We pride ourselves on quick, informative and dependable service. We strive to offer you the loan which most closely matches your current needs and long-term plans.

How much home can I afford? Simply, start by completing this form:
"Pre-Qualifying" Loan Information Sheet

OR

What do I need to apply for a mortgage loan?
"Mortgage Loan Application Checklist"
You can save time by organizing the information you need to start your mortgage loan.

OR

Are you ready to apply for a mortgage loan?
Uniform Residential Loan Application Form
Complete the application form, along with your Mortgage Loan Application Checklist, and schedule an appointment at any First National Bank^SM office location.

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Conventional Loan Information
First National Bank^SM offers conventional home mortgages designed uniquely for our customers. We offer competitive fixed and/or variable interest rates and flexible terms. We can design a conventional loan to suit your needs or you can choose from one of our special products listed below. The term of the loan can be extended for smaller monthly payments, or reduce the term of the loan and that may save you money and help build the equity in your home faster. There is no prepayment penalty in the following loans.

We also have available a variety of fixed rate mortgages with competitive rates and loan terms. These offer the security and stability of monthly loan payments where the principal and interest amounts remain the same over the life of the loan. Whatever your plans, First National Bank^SM offers a wide variety of home loan products to help you meet your financial needs - and to make your dreams come true!

Loan products listed are available to qualified applicants who meet the bank's current loan underwriting guidelines.
Rates are subject to change.

For current rates contact us or call us at (801) 829-3402 ask for Jason Johnson.

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Affordable Housing Mortgage Loans

Rural Development Guaranteed Loans

• Rural Development Guaranteed Loans are primarily used to help low-income individuals or households purchase homes in rural areas. There are income limits used in qualifying for this loan. Housing must be modest in size, design, and cost. In addition, applicants must have reasonable credit histories.

Application packets available at:
First National Bank of Morgan
120 North State St
P.O. Box 870
Morgan, UT 84050
(801) 829-3402

Federal Housing Administration Loans - FHA Loans

• These loans are guaranteed by the Federal Housing Administration. FHA offers both fixed and adjustable rate mortgages. The loans can be designed to fit your needs with a variety of down payment options and repayment terms.
  

Veterans Administration Loans - VA Loans

• For veterans of military service. The Veterans Administration will guarantee repayments of the loan to the lender. Terms depend upon veteran status, loan amount and prior use of VA eligibility. These loans are similar to FHA and can be either fixed or adjustable rate mortgages.

Loan products listed are available to qualified applicants who meet the bank's current loan underwriting guidelines.
Rates are subject to change.
For current rates contact us or call us (801) 829-3402.

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Construction Loan Information

Click here to go to the Construction Loans page.

Contact a lender below for more information on a real estate loan. Please do not send sensitive financial information via e-mail. Thank you.

Click Here for our new easy to use Online calculators, to help you solve some common financial problems. If you find these calculators useful, be sure to bookmark this page or suggest it as a link to your favorite home page or search engine.