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Building a better home loan

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

Our products

Fixed Rate Mortgage

Purchase a new home or refinance your existing home with a predictable and steady monthly mortgage loan for the length of the loan with a fixed rate mortgage.

Adjustable Rate Mortgage (ARM)

Each ARM loan option features a fixed rate for its initial term. After the initial term, the interest rate and payment could increase or decrease.


A USDA Rural Development loan can help you purchase your dream home with no money down with a low 30 year fixed rate. The USDA program is for rural development so not all properties qualify and income limits do apply.

FHA Loan

The FHA program can help you finance the purchase of a new home with a low down payment. Currently, FHA will finance up to 96.5% of the purchase price. Typically, mortgage insurance is required throughout the term of the loan.

Jumbo Loan

This program allows you to borrow more than $453,100. These jumbo loans have fixed and adjustable rate options for both primary residences and vacation homes.

Construction Loan

You want to build a new home, FNBD will allow you to pay interest only payments during the construction phase and then converts into permanent financing when your home is complete.

Lot Loans

If you are looking to purchase land, FNBD can help. We offer land loans with competitive rates and terms up to 15 years.

Home Equity Loans

Need money for home improvements or to consolidate debt? Do it all with a home equity loan or line of credit from FNBD. You'll enjoy great low interest rates with all of our home equity loan options.

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