Whether you are looking to refinance your existing home or purchase a new home, we offer mortgage products catered to your specific needs. There are no “cookie cutter” solutions at First Bank & Trust. Each customer is unique and financial arrangements will vary from home buyer to home buyer.
As a community owned and operated bank, we stand to offer you the best mortgage rates in town. We are not tied to a captive mortgage company. Instead, we have the flexibility to use several high quality Investor Groups. This gives us the ability, at any point in time, to quote attractive rates for a variety of mortgages. Where we differ is that when you originate your mortgage through FB&T, you can always come to us with any questions that may arise.
Our rates will be among the lowest in town. We encourage you to check the rate of any of our competitors – then come see us. We will do our best to beat or match their rates.
Come in now, even before you start your search. We would be pleased to help you determine the home you can afford based on your earnings and assets. We will also consider a bridge loan so you can conclude your purchase while your current home is still on the market. And we are open to discuss special situations which may arise.