Mortgage Options

The local real estate team at First National is uniquely positioned to help you with all of your home financing needs. We understand that your property is a valuable asset and want you to feel confident entrusting us with your home mortgage.

First National Bank of Northfield provides unmatched personal service at every step. Whether you are purchasing or refinancing, we offer:

  • Free prequalifications
  • Competitive rates and closing costs
  • Easy application process
  • Personal, attentive service
  • 100% financing programs available
  • 80-10-10 programs for qualified buyers
  • Complete line of mortgage products

Below you’ll see an outline of the loans we offer. Feel free to read on or contact one of our mortgage specialists today and we’ll gladly help you better understand the options available.

Meet Our Mortgage Specialists

  • Becky Behrens
    Vice President, Department Manager
    NMLS ID: #523458
  • Kim Paddock
    Vice President
    NMLS ID: #523459

Fixed Rate

With this option, your rate is fixed for the duration of the loan providing stable monthly payments. Loans are usually 15-, 20- or 30-year terms.

USDA Guaranteed Loans – Up to 100% Financing

Up to 100% financing available and in some cases the loan can even cover some closing costs or improvements. 30-year fixed rate loans. Property must be in an eligible area and buyer must not exceed income limits. Not limited to first-time homebuyers. More »

In-House Financing

These loans are underwritten, funded and serviced right here at First National Bank of Northfield. We are able to offer fast, convenient financing for most any situation, taking into account your unique circumstances. These loans are kept “in house” and are not sold.

Construction Loans

Construction loans from First National provide temporary financing for borrowers who are building a new home from the ground up. Closing costs can be saved by using the same lender for the construction and permanent financing. We’re pleased to offer interest-only payments during the construction phase.

Second Mortgage Loans

Unlike a home equity line of credit, a second mortgage provides funds in a one-time, lump disbursement.

Mortgage Application »