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Mortgage, Refinancing, & Home Equity

Buy or Build a Home

For many people, buying or building a home is the single most significant financial step of a lifetime. First National Bank’s courteous and professional lenders are ready to assist you in making your American Dream come true. We are the community bank that offers all the tools you need. Visit any of our branches in Bastrop, Cedar Creek, Elgin, or Smithville for more information.

  • Fixed Rate Mortgage Loans
  • Variable Rate Mortgage Loans
  • Refinance existing Mortgage Loan
  • New Home Interim Construction Loan with option to rollover into permanent mortgage financing. Click for details.
  • Home Improvement Loan
  • Home Equity Loan
  • Raw Land Purchase

Special Programs:

  • Texas Veterans Land Board Program
  • USDA Loans
  • Rural Living Loan Product for larger acreage with home

First National Bank takes pride in the quality products and services we provide. We offer competitive interest rates, low closing costs, and fast, convenient closings.

All loan applications subject to credit approval. Certain restrictions apply.

First National Bank's NMLS# 403250

Refinance Your Mortgage

If you're interested in refinancing a home, our loan officers can help you find potential ways to:

  • Lower your monthly mortgage payments
  • Switch to a fixed-rate mortgage
  • Shorten the term of your mortgage loan
  • Get cash out of your home

Home Equity Loans

Use the equity you have already built up in your home to pay for college education, make home improvements, or consolidate high-interest debt at much lower rates than many other types of loans.

Mortgage Calculators

Mortgage Calculators
Mortgage Loan Calculator Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Qualifier Can you buy your dream home? Find out just how much you can afford!
Refinance Breakeven Should you refinance your mortgage? Use this calculator to determine when you will breakeven!
Rent vs. Buy Are you better off buying your home, or should you continue to rent?