Mortgage Lending

Your home loan experience matters to us!

Local customer service. That's the key difference you'll experience when you get a mortgage loan at First Bank & Trust Company. Many of our mortgage loans are serviced locally, and services are provided for the life of the loan.

Get the home that’s right for you with the mortgage that’s right for you, too.

Complete an online mortgage application

Call us today:

866-285-2239

Competitive Mortgage Loan Rates

At First Bank & Trust, we offer competitive mortgage loan rates for the life of your loan. Whether you need a 30-year fixed loan or simply to refinance, our local representatives will find a financing solution that works for you.

Since mortgage interest rates change frequently with the market, it’s best to work with your local representative to get your custom rate quote.

Get your custom rate quote. Call or apply today.

Home Equity

Life happens, and sometimes we all need a little extra cash to get by. Whether you are remodeling a room in your home, need additional funds at tax time or whatever the case may be, a First Bank & Trust Company home equity line of credit may just be the answer. Check with us to see how a home equity line of credit can work for you.

First Link
Can't buy your dream home until you sell the one you're in? With First Link, you can! First Link combines both properties together to facilitate the purchase of a new home before your existing home is sold.*

Complete an online mortgage application

*Eligible properties: 1-4 Family owner occupied, Single Family, 1-4 units, PUD, Townhouse. Offer not valid on condominiums, doublewides or second homes. Must have sufficient equity in existing home, and qualify for permanent financing. Contact your First Bank & Trust Company mortgage specialist for details. *Qualified buyers pay interest-only on loan for 12 months or until existing home is sold. Eligible for one 12 month renewal if home does not sell within initial 12 month period. Following expiration of 12 month renewal, entire balance will be converted to permanent financing.

Mortgage Loan - No Down Payment

One of the biggest hurdles for people who want to buy a new home is coming up with a down payment. This special mortgage loan removes the need for a down payment do you can buy your dream home without having to cough up a huge amount of cash.

Complete an online mortgage application

Refinance Your Mortgage

Refinancing your mortgage is a way to decrease your interest rate paid on your mortgage, decrease the monthly payments you make on your mortgage, or both! Refinancing is a great option for people who already own a home but want to improve their existing finance management.

Apply to refinance

Use the mortgage refinance calculator here

Construction Loans

Sometimes you’ll find the perfect home that’s move in ready, while other times, the only way to get what you truly want is to build a new home from the ground up. That’s when you need to secure a residential construction loan.

At First Bank & Trust, we offer flexible financing to cover your home construction needs.

Learn more here

Home Insurance