Real Estate

Are you wanting to purchase a new home, refinance your existing loan, or even begin construction of your dream home?  First National Bank & Trust Company is able to give you a prompt decision on your loan application.  We do not charge points or application fees and the servicing of your loan always stays with our bank.

Interest rates can flucuate daily, so contact one of our loan officers today!

Josh Shofner, NMLS # 790018
Rachel Costello, NMLS #1249646
Vicky McKinley, NMLS # 790016
Jo Miller, NMLS # 790019
Mike Killian, NMLS #802897

Download a Real Estate Application.


Home Equity Loans (HELOC)

The Home Equity Line of Credit (HELOC) is a revolving line of credit that allows you to use the equity in your home to borrow money.  It works in a similar fashion to a credit card in that you can borrow, pay back, and borrow again, but typically at a much lower interest rate than most credit card.  The HELOC can be used to purchase a vehicle, pay off credit card debt, home improvements, education expenses, vacation, and so much more.

One BIG advantage of a HELOC over a credit card or installment loan is that the interest you pay on it may be tax deductible*.

To receive a HELOC application, contact one of our loan officers today.



Our lending area is limited to DeWitt County, in the State of Illinois.

* Consult your tax advisor about the deductibility of interest.
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