Online Banking
Enroll
First National Bank Colorado is here to help!

IMPORTANT – RE: Trigger Leads – To protect your personal information from unauthorized access and use, First National Bank Colorado uses security measures that comply with federal law. We do not sell your contact information to other lenders, however, we cannot prevent the credit bureaus from selling your information as a trigger lead. Only you can take your name off the trigger leads list by going to optoutprescreen.com – Link: OptOutPrescreen.com

Or call: 888-567-8688

house with dollar sign icon

Conventional Mortgages

Conforming Conventional Mortgages are the most customary type of mortgage and generally the best option for well qualified borrowers. Conventional Mortgages offer various financing terms and do not require mortgage insurance for loan amounts less than 80% of the home’s value.

  • 10- to 30-year term
  • Fixed or Adjustable Interest Rate
  • Minimum Down Payment: As low as 3%
  • Purchase or Refinance
  • Primary Residence, Second Home, or Investment Property

Apply Today!

big house icon

Jumbo Mortgages

Jumbo Mortgages are conventional mortgages that exceed the conforming loan limit for a given area as set by the Federal Housing Finance Agency each year. Jumbo loans generally require a minimum down payment of 20%.

  • 15- or 30-year term
  • Fixed or Adjustable Interest Rate
  • Purchase or Refinance

Apply Today!

 

standard house icon

VA Mortgages

VA Mortgages offer a low-down payment mortgage option to eligible Veterans, active-duty service members, and their families. VA Mortgages are partially backed by the Department of Veterans Affairs.

  • 30-year term
  • Fixed-Rate
  • No down payment required
  • Requires Funding Fee be paid at time of closing, which can be financed as part of the loan amount, unless Veteran is Exempt
  • No monthly mortgage insurance premium
  • Primary Residence only

Apply Today!

 

house with a percentage sign icon

FHA Mortgages

FHA Mortgages offer a low-down payment option available to most eligible borrowers. FHA Mortgages are partially backed by the Federal Housing Administration.

  • 15- or 30-year term
  • Fixed-Rate
  • Flexible financing options that are less stringent than conventional loans
  • Requires both an Up Front Mortgage Insurance Premium as well as monthly mortgage insurance for the term of the loan, in most cases
  • Primary Residence only

Apply Today!

 

small house icon

Rural Development Mortgages

Rural Development Mortgages, also known as USDA Mortgages, are also partially backed by the US government. They are designed to be used to help low- and moderate-income borrowers buy homes in rural areas.

  • 30-year term
  • Fixed-Rate
  • No down payment required
  • Credit requirements are less stringent than conventional loans
  • Require an upfront Guarantee Fee, which can be financed as part of the loan amount, as well as a monthly mortgage insurance premium

Apply Today!

 

reverse mortgage icon

Reverse Mortgages

Reverse Mortgages are a type of loan that allow borrowers over the age of 62 to access the equity in their home as either a line of credit, scheduled monthly disbursements, or a lump sum disbursement. Consult one of our mortgage professionals and weigh your options.

  • Partially backed by the Federal Housing Administration
  • Primary Residence Only

Apply Today!

 

house key icon

Portfolio/In-House Home Loans

First National Bank Colorado offers many portfolio or in-house residential home loan products to meet your needs, whether you are purchasing a home that does not fit into the traditional conforming bucket or you, as a potential borrower, do not fit into the typical conforming mortgage guidelines. Contact one of our Loan Officers today to see if we can make financing possible for you!

  • 10- to 30-year term
  • Fixed or Adjustable Interest Rate
  • Minimum Down Payment: 20%
  • Primary Residence or Second Home
  • Creative solutions

Apply Today!

 

house with a bag of money icon

Home Equity Line of Credit

Home Equity Line of Credit, commonly referred to as a HELOC, is a type of loan that allows you to access the equity in your home without touching the first lien on your property. HELOCs can give you the flexibility to consolidate higher interest debts, finance large expenses, or just have a line of credit available if the need arises.

  • Revolving line of credit that you can charge up and pay down throughout the term of the loan
  • 5-year term
  • Interest-only payments with a balloon at the end of the 5-year period
  • Flat fee in the amount of $750 covers all closing costs
  • Primary Residence only
  • Funds can be easily accessed by check or by making a transfer through your FNB online baking account

Apply Today!

 

For the vast majority of Coloradans, their home is their most important asset.
  • We have loan programs that allow you to tap into the value or equity in your home as well as mortgage loans that offer competitive rates and terms if you’re looking to buy a home.
  • Be sure to try the Mortgage Calculator to get monthly mortgage payment estimates based on amounts, duration, taxes and insurance.
Applying for a mortgage online is as easy as 1-2-3!

1: Click here to access the application.
2: Complete the application and click “Submit Application” once you’ve entered all the required information.
3: A First National Bank Mortgage Loan Officer will review your information and follow up with you.

Our goal is to provide the highest level of service at competitive rates. Our Mortgage Loan Officers are only a phone call away if you need help.

Apply Today!

Contact us:

(719) 384-4433 (Arkansas Valley Offices)
(719) 955-5577 (Flying Horse/Monument)

Meet with us in person, give us a call or fill out an application online. We are here to help in whatever way is best for you!

How may we help you?