Land & Home Loans

Land & Home Loans

Mortgage Services in WV, VA, MD

Get the Right Mortgage

Choosing the right type of mortgage loan is very important. Everyone’s circumstances are different and by choosing the right mortgage, you can save yourself thousands of dollars during your lifetime while managing your cash flow. Many factors may influence product decision such as repayment ability, purpose, interest rates, etc.

Above all, make sure you know the total cost before entering into a mortgage transaction: rate, points, application fees, appraisal fees, title fees (including title insurance), inspection fees (termite inspection and septic system inspection), etc.

Already know what you need? Get started today with your mortgage loan application. Apply Now!

For more questions about mortgage loan options contact Judy Giffin or Gabby Newcomer by phone (304) 822-8750 or email

Fixed-Rate In-House Mortgage

FNB Bank offers fixed-rate mortgages. Fixed-rate means the rate of interest remains the same throughout the duration of the loan.

Adjustable-Rate In-House Mortgage

FNB Bank offers Adjustable Rate Mortgages (ARM) with terms to suit all needs and budgets. An Adjustable Rate Mortgage is a mortgage on which the rate is subject to periodic adjustments. ARM rates are usually tied to a widely published index and contain periodic and lifetime caps.

Secondary Market Mortgage

FNB Bank also has access to secondary markets. These loans are originated by FNB Bank and then sold. Products include:

  • FHA
  • USDA
  • VA
  • Conventional

Home Equity Line of Credit

By using the equity in your home, you may qualify for a Line of Credit. A line of credit that can be used for home improvements, major purchases, college tuition or even to start a new business. Whatever your needs may be, just write a check from your Home Equity Line of Credit Account. Your monthly payments are based on the number of funds you use and the remaining term of your note. Best of all, the interest you pay may be tax-deductible (check with your tax advisor).


Looking for a loan to cover other needs?

Whether it’s a vacation, a boat or a renovation, we have installment loans available for a variety of life goals and dreams.