Home Loan

Buying or refinancing a home is one of the most important decisions you will ever make. You want to make sure you choose the right financing. Our Home Loan Specialists can tailor a financing package that best fits your needs and circumstances. The benefit to doing business with First National Bank is that we do all of our own underwriting and processing. This creates a smoother, quicker transaction. Most of our loan decisions are made within minutes!

Irma Armstead	307-686-3335
Corey Bricker	307-686-3379
Laura Edwards	307-686-3336
Brian Ellis	307-686-3338
Mark Randen	307-686-3339

At First National Bank, we offer fixed and adjustable rate home mortgage loans at very attractive rates, with features and terms to fit your individual needs. To apply for one of our great home loans, or to check our rates, simply stop in or call one of our Home Loan Specialists at 307-686-3330 (or e-mail us at realestate@fnbgillette.com) and set up an appointment.

Fixed Rate Mortgage (Home) Loans

USDA, FHA, VA, Conventional, 1-4 Family financing available for 10, 15, 20 and 30 year terms
Fixed principal and interest payments
We will provide valuable loan cost comparisons to help you make an educated decision on your loan type and term
Cash-out refinancing available – quick turn-around times!

Guaranteed Rural Housing

102% financing based on appraised value. If appraisal value exceeds sales price, borrower can finance closing costs.
No monthly mortgage insurance, 1-time guarantee fee of 2% that can finance above the appraised value.
No asset requirements.
No first time homebuyer restrictions and no purchase price limitations!
No minimum cash contribution from borrower and it’s even possible to get your earnest money back at closing!
6% seller concessions and 100% gifting is allowed
Eligibility
- Borrower(s) must be a U.S. citizen, a U.S. non-citizen national or a qualified alien
- Must have an adjusted household income that is within Rural Development guidelines based on the number of persons who will occupy the house
- Property must be a primary residence
- Property must be located in an eligible area

Fixed Rate Mortgage (Home) Loans

USDA, FHA, VA, Conventional, 1-4 Family financing available for 10, 15, 20 and 30 year terms
Fixed principal and interest payments
We will provide valuable loan cost comparisons to help you make an educated decision on your loan type and term
Cash-out refinancing available – quick turn-around times!

First-time Homebuyer Program through Wyoming Community Development Corp

Down payment assistance available from WCDA
Below market rates for 30 year mortgages
5 acres max
Must have an adjusted household income that is within WCDA guidelines based on the number of persons who will occupy the house
Certain purchase price limitations apply depending on the county where you will purchase your home – most counties $236,000

Bridge Loans

Enables you to tap the equity in your existing home to provide funds for the down payment on your new home

Construction Loans

Financing available for conventional (“stick-built”) homes
Loans available for new additions and other large home improvements