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Mortgage Center


Building a better home loan

Whether you’re buying a house, building, or refinancing your existing residence, you could make your dream home a reality with Bank FNBD’s mortgage lending experts and competitive rates! 

Conventional Loan

  • Minimum Credit Score of 620
  • 5% Down Minimum - Requires Mortgage Insurance with LTV less than 80%
  • Cash-Out Refinance - Maximum 80% LTV
  • Investment Purchase - Maximum 85% LTV

Rural Development Loan

  • Minimum Credit Score 640
  • 100% Financing
  • Must be in Rural Area determined by USDA

FHA Loan

  • Minimum Credit Score 620
  • 3.5% Minimum Down Payment
  • Up to 55% Debt-to-Income Ratio
  • Cash-Out Refinance Options Available
  • Max 6% Seller Contribution

Jumbo Loan

  • Loan Amount over $548,250
  • Max 10 Acres on Rural Properties
  • Max LTV of 80%

VA Loan

  • Must have Certificate of Eligibility
  • Primary Residence Only
  • Minimum Credit Score of 620
  • 100% LTV **The interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible and you should consult your tax advisor**




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Meet the FNBD Mortgage Team
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