Real Estate Loans

Residential real estate loans are typically for 1-4 family dwellings. We offer loans for purchasing homes, refinancing homes and construction of new homes.

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Applications are READ ONLY and cannot be submitted online, please print the application and submit by mail or in person.

Conventional Loans - This is a mortgage loan for purchasing a new home or refinancing your current home. Your loan payments will be made locally and will be personally serviced by our knowledgeable and friendly staff. First National Bank in Fairfield finances real estate loans in Jefferson and surrounding counties.

Construction Loans - First National Bank's construction loan offers you a short term, fixed rate line of credit for financing the building phase of your new home. Funds are advanced periodically as the work progresses and interest is charged only on the amount of funds drawn. Upon completion of your home, you may choose one of our various long term real estate loan products.

Secondary Market Loans - This mortgage product is also available at First National Bank. The application phase and processing of the mortgage loan requests originate at First National in Fairfield and then the loan is sold to the secondary mortgage market. The customer benefits from the fixed rate and low down payment.



IFA's First Home program offers qualified homebuyers affordable mortgage financing with a low, fixed interest rate and no points or origination fees.
It also offers buyers flexible credit qualifications and a lower down payment.
You must be a first time home buyer, which means that you have not had an ownership interest in your primary residence in the past three years.


Great for first-time homebuyers who are having a hard time coming up with cash for down payment and closing costs.
This program provides affordable mortgage financing to income-qualified first-time homebuyers, plus cash assistance of up to 3 percent of the mortgage amount for down payment and closing costs.


Households that are not eligible for conventional financing can use the USDA program to purchase new or existing dwellings for use as a primary residence in rural areas.

100% financing is available.

Loans have a fixed rate.

The above is a brief summary of the many loan services available at First National Bank in Fairfield. Our talented staff will be happy to provide specific information regarding these various loan products, or any additional commercial or consumer services offered.


Don't forget the extras!

Getting your FNB account is just the beginning, don’t forget these extras to make your experience more rewarding!