Your Trusted Mortgage Team

Get a Home Loan with First Bank and Trust Company

There are a variety of loan options available to purchase a home. Our local Mortgage Bankers will find a financing solution that works for you and will support you throughout the life of your home loan.

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Competitive Mortgage Loan Rates

At First Bank and Trust Company, we offer competitive mortgage loan rates for the life of your loan. Since mortgage interest rates change frequently with the market, it’s best to work with your local Mortgage Banker to get your custom rate quote.

Get your custom rate quote. Call or apply today.

Finance with Your Local Bank

Conventional Mortgage Loan

Whether you're a first-time homebuyer or a seasoned homeowner, our commitment to providing secure and competitive home loan options makes us your ideal choice for a conventional mortgage loan. With a range of flexible terms and competitive interest rates, we're here to help you achieve your homeownership dreams. Explore our conventional mortgage options and partner with us for a smooth and reliable home financing experience.

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High-Value Properties

Jumbo Mortgage Loans

Does the cost of the home you want to purchase exceed $766,550? You'll need to qualify for a jumbo loan instead of a conventional mortgage loan. Work with one of our Mortgage Brokers to get today's fixed or adjustable jumbo loan rates. 

Zero-Down Mortgages

100% Financing for Your Home Loan

Move into your new home with zero-down for your mortgage loan. Don't let a down payment keep you from buying a house. You can apply for a no down payment mortgage with First Bank and Trust Company and qualify for a VA loan, USDA loan, or other loan option to access 100% financing.

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Buy Before You Sell

Bridge Loans

Use a bridge or swing loan to "bridge the gap" between buying your new home and selling your old home. Leverage your current home equity for your down payment. Our Mortgage Bankers can help you avoid contingency, put down a larger down payment, and get you quick access to funds when you qualify for bridge loan financing.

Mortgages for Vets

VA Loans

Service Members can purchase or refinance a home with a government-backed VA loan. VA home loans have a number of benefits to make home ownership accessible for our vets. We offer competitive VA loan rates and we're here to help with the application process.

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Government-Backed Mortgages

FHA Loans

The Federal Housing Administration insures these home loans to increase access to homeownership for individuals with more flexible qualifications and credit criteria. FHA loans only require a 3.5% down payment. Let us guide you through the application process.

Apply for a Home Mortgage with a Local Lender

First Bank and Trust Company is also an active participant in the USDA Rural Development Program. There are home loans available for residents of rural regions throughout the communities we serve. As a preferred lender, we can help you determine if you meet the eligibility requirements for a USDA rural housing loan.

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