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. Some things you should know before you start.
- Make sure you know the total cost before entering into a mortgage transaction.
- Explore all of your options: In House, Fixed Rate, Variable Rate, Secondary Market, etc.
- Rate matters, but so do other factors, like points, application fees, appraisal fees, title fees (including title insurance), inspection fees (termite inspection and septic system inspection), etc.
Ready to learn more about the different options FNB offers? Click the tabs above to explore all the various options.
Already know what you need? Get started today with your mortgage loan inquiry.
For more questions about mortgage loan options, contact Seth Brooks or Gabby Newcomer by phone (304) 822-8750 or email mortgage@fnbtoday.com
Fixed Rate Mortgage
- Fixed-rate means the rate of interest remains the same throughout the duration of the loan.
- All processing & underwriting handled by FNB Bank.
- Personalized service by your neighborhood bank.
- No prepayment penalty.
- Post-closing benefits (see loan officer for more details)
Adjustable Rate Mortgage
- FNB Bank offers Adjustable Rate Mortgages (ARM) with terms to suit all needs and budgets.
- Adjustable Rate Mortgage is a mortgage on which the rate is subject to periodic adjustments.
- ARM rates are tied to a widely published index and contain periodic and lifetime caps.
- All processing & underwriting handled by FNB Bank.
- Personalized service by your neighborhood bank.
- No prepayment penalty.
- Post-closing benefits (see loan officer for more details)
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, etc. Whatever your needs may be, just write a check or transfer funds 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).
Additional Mortgage Products
- Vacant Land Financing
- Construction Loans
- Bridge Loans (see loan officer for more details)
NMLS: 1278294
Additional Mortgage Staff
Ann Ryan
Loan Processor
NMLS: 2363766
304-822-8750
Hannah Stults
Loan Processor
NMLS: 2147999
304-822-8750
Contact Information
Mortgage Department Phone 304-822-8750
Mortgage Department Fax 304-822-8282
Mortgage Department Email mortgage@fnbtoday.com
To request information or to assert an error regarding our servicing of your mortgage loan, contact us in writing to:
FNB Bank
ATTN: Mortgage Loan Resolution
P.O. Box 1037
Romney, WV 26757
Please include your name, mortgage loan account number, and a statement of the information requested or error you believe has occurred with respect to your mortgage loan.
