Home National Bank uses a unique, risk-based pricing index to determine the rate you will receive on your mortgage loan. The rate is determined by your credit beacon score, your debt-to-income ratio, and the loan-to-value ratio for the property.

In other words, we look at more than just your credit score and do what we can to get you the home of your dreams.

Here, you’ll find:

• Competitive rates
• Flexible terms to fit your needs
• Friendly and knowledgeable lenders equipped to service your mortgage for a more personal experience

We also offer FHA, USDA and Jumbo mortgages. We also offer escrow on mortgage loans for qualified applicants.

Mortgage Application

Use the equity in your home as power to purchase by opening a Home Equity Line of Credit. Some of the great features of this type of loan are:

• Lines of credit are based on the appraised and equity value of your home
• Different payment options are available
• Annual fee is waived for the first year
• Competitive interest rates
• Option to convert the outstanding balance to a fixed rate of interest anytime during the first 10 years

The line is open for 10 years, then the outstanding balance is converted to a 10 year amortization loan. A flat prepayment fee of $250 will be assessed if closed in the first two years.

Home Equity Application