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First National Bank NMLS Number 768525

First National Bank Mortgage Loan Originators

Noni Duncan 773381
Alice Hollingsworth 773383
Donna Norman 773386
Cathy Pittsenbarger 773388
Paula Wykle 773390
Adam Rogers 608716

In compliance with Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) ,First National Bank discloses the licensing information for its Mortgage Loan Originators (MLOs). The SAFE Act is designed to enhance consumer protection and reduce fraud through the setting of minimum standards for the licensing and registration of state-licensed mortgage loan. MLOs who work for an insured depository, or its owned or controlled subsidiary that is regulated by a federal banking agency, are registered. The SAFE Act also requires all MLOs to submit fingerprints to the Nationwide Mortgage Licensing System (NMLS) for submission to the FBI for a criminal background check.

Consumers may use a free service to confirm through the Nationwide Mortgage Licensing System & Registry to confirm that the mortgage professional, with whom they wish to conduct business, is licensed in their state. That service can be found at



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3.5% APR Adjustable RateMortgage

Primary Residence

3% Down-payment**

ü  No Application Fee
ü No Origination Fee

ü  No Documentation Fee

ü  No Private Mortgage Insurance Fee

 **Annual Percentage Rate. This is an Adjustable Rate Mortgage for primary residence and variable rate loan. For primary residence.  Introductory rate of 3.50% APR rate advertised is for primary residence and is valid for the first 3-year term.  Example terms of repayment for a $100,000 loan, with a 3.50% APR, amortized over 30 years, would be $449.22 for 36 months then the loan becomes an adjustable rate term set on the 3-year Treasury Index plus 3.25%. The payments do not include amounts for taxes and insurance premiums. The actual payment will be greater if these charges apply.  Interest rate cannot increase or decrease more than two percentage points every three years and no more than six percentage points for the life of the loan. $30,000 minimum loan amount. 30-year maximum loan term. Rates are subject to change, and are based on a credit score of 690 or above; 32% Debt-To-Income ratio. 3% down-payment; up to 97% Loan-To-Value (LTV).  Loan subject to credit and property approval. Rates may be higher based on meeting loan criteria.  First National Bank mortgage customers are eligible to refinance if a minimum of $50,000 of new funds are added to existing loan amount. Other ARM products available. All closing costs are the responsibility of the applicant. Other qualifications or requirements may apply and offer may change at any time.

2.99% APR Home Equity Line of Credit

Special HELOC*

PLUS approved Home Equity LIne of Credit applications receive a PGA Badge for grounds and concerts+

*Annual Percentage Rate. 2.99% APR advertised is for primary residence, accurate as of 5/01/14 and based on a credit score of 690 or above; 36% Debt-To-Income ratio. Introductory rate of 2.99% APR valid for the first 12 month term which changes to an adjustable rate of Prime as published by the Wall Street Journal. Maximum interest rate is 18%. 90% Loan-To-Value (LTV) in which First National Bank has the 1st deed of trust. $25,000 minimum loan amount. Loan subject to credit and property approval. Rates may be higher based on meeting loan criteria. Current insurance on the property that secures the account as well as taxes are the responsibility of the borrower. Consult a tax advisor regarding the deductibility of interest. Other qualifications or requirements may apply and offer may change at any time. $50.00 annual fee. Closing costs apply.    +Home Equity Line of Credit applications subject to approval. Badge offer begins 5/19/14 and will be distributed with closing loan documents while supplies last. Speak to a bank lending professional for complete details.

First National Bank is well known for a high level of personal service, stable and experienced staff and a broad range of loan products. We strive to create lasting relationships with our customers and our loan decisions are made locally.

Mortgage Loan - A home is typically the single largest investment most people make, so First National Bank offers a variety of mortgage products designed to fit the unique needs of each customer. Whether your home is a new purchase or a refinancing of your current mortgage, check with us first.

Consumer Loans - Consumer loans can be used for home improvements, automobiles, boats, recreational vehicles, debt consolidation, and education. Call us to discuss your personal needs, and we will customize a loan for your unique financial situation.

Home Equity Loans / Lines of Credit - First National Bank offers both home equity loans and lines of credit that enable you to borrow only the amount you need. If you're a homeowner, you can borrow against the equity you have built in your home to fund major purchases, such as college tuition, investments, home improvements or debt consolidation. Contact a First National Bank office for additional information.



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