Making a move? We love our communities, and that’s why helping you get into your dream home in your own dream community is the FNBC Mortgage Lending Team’s top priority. Stop by or call to visit with one of our expert mortgage loan originators and start making your way home today!

Visit our mortgage center today to begin the pre-approval process!

What We Offer

Conventional Mortgages

  • Ideal for buyers with good credit, stable income and a sizable down
    payment
  • Not backed by a government agency like FHA or VA
  • Can save more money over the life of the loan compared to other options
  • No upfront mortgage insurance premium required
  • Offers various repayment terms with flexible mortgage rates

FHA Loans

  • Insured by the Federal Housing Administration (FHA)
  • Popular with first-time homebuyers due to less strict down payment and
    credit score requirements
  • Ideal for borrowers without a large down payment or have lower credit
    scores
  • Suitable for those who may not qualify for private mortgage insurance
    (PMI)

VA Loans

  • Backed by the Department of Veterans Affairs (VA)
  • Available to U.S. military members, veterans and their surviving spouses
  • Offers no down payment, low interest rates and minimum closing costs
  • Requires suitable credit, sufficient income and a valid Certificate of
    Eligibility
  • The home must be used as the borrower’s primary residence

Rural Development Loans

  • Designed for purchasing homes in eligible rural areas
  • No down payment required and competitive interest rates
  • Ideal for those who may not qualify for traditional financing
  • Provides a pathway to affordable homeownership in rural communities

Construction Loans

  • Short-term financing for building or renovating homes
  • Ideal for custom home builds or major renovations
  • Offers flexible terms and interest rates tailored to the construction timeline
  • Allows financing to grow with your project, turning your vision into reality

Standard Non-Conforming Loans

  • Ideal for buyers needing higher loan amounts or with unique financial
    situations
  • May provide more flexible approval criteria for credit scores and down
    payments

Jumbo Loans

  • Designed for financing properties that exceed conforming loan limits

Physician Loans

  • Up to 104% financing
  • No private mortgage insurance
  • Eligible physicians
    • Medical – MD
    • Osteopathic – DO
    • Podiatric – DPM
    • Dental Surgeon – DDS
    • Dentist – DMS
    • Optometrist – OD

Bridge Loans

  • Ideal for homeowners needing temporary financing during a transition
  • Provides short-term financing to “bridge” the gap between buying a new
    property and selling your current one
  • Allows you to secure a new home before your existing home is sold
  • Usually requires collateral, like your current home, and a strong credit
    profile

Home Equity Loans

  • Allows you to borrow against the equity in your home
  • Ideal for funding major expenses like home improvements, debt
    consolidation or education

Ask Us About Our Mortgage Options

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Please let us know what's on your mind. Have a question for us? Ask away.

Mortgage Lending Team

David Norris

Senior Vice President
Mortgage Lending

Jonesboro Office

NMLS# 996450

870.333.7080

Debbie Howard

Debbie Howard

Vice President
Mortgage Loan Originator

Mountain Home Office

NMLS# 641710

870.508.0236

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