FNBC is proud to offer the First Chance Mortgage Program, a special affordable housing program for households at or below the median income* and who may have no credit.

  • Quick pre-qualification process
  • 100% financing*
  • Closing cost assistance available*
  • Homebuyer education and mentoring
  • Longer financing terms available
  • No pre-payment penalty
  • Build equity…and your future!

For more information or to see if you qualify, please contact one of our Mortgage Loan Originators listed below!

*Based on income guidelines. Income must be at or below the Area Median Income (AMI) listed for the Fannie Mae Home Ready Program. Additional restrictions may apply. Not available in all areas.

Mortgage Lending Team

David Norris

Senior Vice President
Mortgage Lending

Jonesboro Office

NMLS# 996450


Debbie Howard

Debbie Howard

Vice President
Mortgage Loan Originator

Mountain Home Office

NMLS# 641710


Rhonda Bystry

Rhonda Bystry

Mortgage Loan Originator

Highland Office

NMLS# 466893



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