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FNBO Mortgage Loans

Expert advice. Easy process.

Couple in their new house

Home loans made easy. We’re glad you’re here.

Whether you’re a homebuyer, building a home or refinancing, we’ve got you covered! One of our local and dedicated loan officers will guide you through the mortgage process and answer all of your questions. Our goal is simple: happy homeowners.

  • Exceptional, personalized service
  • Fast, easy pre-qualification
  • Loan options as low as 0%-5% down1
  • Competitive mortgage rates
  • Expedient and on-time closing
  • 24/7 online loan application    

Curious how much house you can afford? Use our mortgage calculator and see!

First-time homebuyers, this quick-guide will help you get started.

Go digital and get started NOW!

If you prefer a digital mortgage experience, our always-available, online application puts the power of the process in your hands, literally.

  • Easy pre-qualification process
  • Access from anywhere at your convenience
  • Dedicated loan officer joins your journey
  • Notifications keep your application moving
  • Simplified status review and document uploads
  • Less stress and more smiling

Need help getting started? Read these frequently asked questions for a seamless online experience. We’re here to guide you, manage the details and get you to closing on time.

What our customers say.

  • "Loved the friendly, helpful, and knowledgeable people that helped me with the refinance of my home. Thanks for all you did to make this an easy transaction."

    Olga G.


  • "Good communication, appointments kept, and paperwork ready on time! Very easy to work with all the way through process."

    John R.


  • "I appreciated the fact that the loan officer was local. The process was fast and efficient. The personal service was fantastic. Thank you."

    Kelli S.


  • "I had the email and phone number of "real" people who welcomed my contact and knew my name. I highly recommend using FNBO."

    Marnie V.


  • "Everyone involved was professional and prepared. Terrific customer service. I was confident in their knowledge of the process and everything went smoothly."

    Vicki L.


  • "Everything was done quickly and explained thoroughly, and at no point did I feel like I was taking up too much time. Honestly, a great process to go through."

    Thomas S.


Find a Mortgage Loan Officer near you.

Easy Mortgage Calculator

Estimate your monthly mortgage payment with our mortgage calculator. Test different scenarios to see how much you need to borrow, approximate payments and how much home you can afford.

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Frequently Asked Questions

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Down payment percentage may vary based upon mortgage loan product chosen.