Mortgage Center

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Mortgage  Find Your Home Loan

No matter what stage of life you’re in, the real estate team at First National Bank is ready to help finance your dream home. Whether you’re single and wanting to make a smart investment for your financial future, newly married and needing more space for a growing family, or looking forward to a house full of grandchildren, homeownership remains a huge part of the American Dream. All of our lending decisions are made locally and we offer a wide range of mortgages to fit your homeownership needs. Read about our home loan products below and learn how you can apply for a mortgage in person or get started online today!

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Fixed-Rate Mortgage

This option is ideal if you’re planning on staying in your home for a long time and want to pay the same amount on your mortgage each month. A fixed-rate mortgage means your interest rate is locked throughout the life of the loan.

Adjustable-Rate Mortgage

An adjustable-rate mortgage can be a perfect fit for a first time homebuyer who plans on upgrading in a few years. We have several ARM products with flexible repayment periods available to meet your needs. While your interest rate can vary over the life of the loan, ARMs are established with rate caps to make sure the rate doesn’t exceed a pre-established maximum rate.

Construction Loans

Are you ready to build the home of your dreams? A construction loan from First National Bank offers a fixed rate on a short-term line of credit to help you can finance the construction of your home. You’ll receive advanced funds as construction work progresses, and you’re only charged interest on the funds that are drawn.

Bridge Loans

Use the equity in your current home to help pay for a new home with a bridge loan from First National Bank. This fixed-rate loan product allows you to purchase a new home before you’ve sold your current home. Once your home has sold, you are eligible for a mortgage product from First National Bank.

Home Refinancing Options

Lower your monthly payment and reduce your interest rate by refinancing your current home loan with First National Bank. You can consolidate existing debt or turn your home’s equity into cash for whatever purpose you choose. Stop in to talk to our experienced real estate team to learn if refinancing is right for you.

Down Payment and Closing Cost Programs

First National Bank of Muscatine offers programs to both existing and first-time homebuyers to help ease the challenges of down payments and closing costs.

  • First National Bank Lender Credit: Receive up to $2,000 towards closing costs.
  • HomeStart Option®: Receive up to $5,000 in grant funds.
  • Freddie Mac HomeOneSM: Lower down payment requirements, no income restrictions, and educational support for responsible homeownership.

Click here for more information, or contact our Real Estate Department at 563-262-4207.

Home Loan Resource Center


Apply Online Today

Apply for a mortgage without leaving your home! Fill out our online application and a member of our real estate lending team will get back to you the next business day.

Apply Now

Check Rates or Get a Quote

Visit the First National Bank Mortgage Center to view our current mortgage rates and to receive quotes on our various loan products. If you have any questions, give our team a call at 563-263-4221.

Get Started

Convenient Appointments

If you’re looking for pre-approval on a home loan or are ready to purchase your dream home,
call Dana Miller or Alisha Knerr at 563-263-4221. They offer convenient after hour appointments to fit your busy schedule. Or stop by our Westside or Oakview North offices to apply for a loan Monday through Saturday.

Schedule an Appointment

Mortgage Calculators

We have several financial calculators to help you determine the amount of mortgage you could qualify for, an amortization schedule for your current mortgage, or even how much interest you could save by paying your mortgage off early.

View Calculators

Not Sure Where to Start?

If you have questions about the home buying or refinancing process, My Home by Freddie Mac is a great resource to get you started. If we can be of assistance, give our real estate team a call 563-263-4221.

Get Started


What our Customers are Saying

Adam Thompson and Alex and Paige Kemp explain why they chose to work with First National Bank for their home loans.

Angie Gabriel and Cliff and Laurie Lanfier explain why they chose to refinance their homes with First National Bank.