Considering refinancing your home might just be one of the smartest financial moves you could make. If your financial goals have evolved since you first purchased your home, refinancing could be the key to aligning your mortgage with your current needs and aspirations. There are several advantages to refinancing your home – and FNC Bank is ready to help you discover your options.
Potential Benefits to Refinancing Your Home
Lower Your Interest Rate:
Take advantage of lower rate options – ultimately decreasing your overall loan payment and potentially saving thousands of dollars over the life of the loan. In many cases, a lower interest rate equals a lower monthly mortgage payment which can free up funds to apply towards higher-interest debt or increase your savings. Talk to a mortgage lender to see how your existing mortgage rate compares to today’s rate.
Shorten Your Term:
Some borrowers refinance to reduce the term of their loan. This is especially appealing when you lock into a lower rate. When securing a lower interest rate, you may be able to move from a 30-year loan to a shorter term without a significant change in monthly mortgage payments – ultimately reducing the overall interest expense.
Cash Out:
Refinance your loan and cash out the equity in your home for other uses such as purchasing an investment property, financing home improvements, or consolidating debt.
Moving to a Fixed Rate:
If you currently have a variable-rate mortgage, switching to a fixed-rate mortgage can offer more predictable payments.
Our mortgage lenders can help you determine if refinancing is a good option for your current situation. We’ll review your existing mortgage and compare it to refinancing with a new rate, loan term and/or loan type. Start the conversation and discover your potential savings!
Whether or not you’re ready to refinance, it’s good practice to review your mortgage periodically to ensure you’re in the right product, discuss any financial changes, and determine if there could be any savings options available to you. Contact a mortgage lender for a free comprehensive mortgage review.
*Loans are conditional on credit approval and completed appraisal. Property and flood insurance required where applicable. For current rates and payment examples, please visit our Mortgage Rate page.
So far this year we have opened up savings accounts for our children and navigated a stolen debit card number/fraud. Customer service reps in both situations were wonderful.
Jamie
Friendly and capable employees who go beyond the ordinary. I was very impressed with the loan officer who helped with the car loan I received even though the dealer was being ridiculous. It took people in the Hudson and New Richmond offices to get it done, but it was completed in one day.
Deborah
Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.
Christine
FNC Bank has been our bank for over 40 years! Never had any issues. Great service!
Richard
(Mortgage lender) was fantastic at FNC Bank! He helped my family get a loan for our new home. We got a construction loan for a shouse/barndominium. I’ve always heard it can be a difficult process with a bank to get a loan for this type of home and he made it easy. He’s always helpful with any question I have and will give you a great experience.
Tiffany
Always treated as family with every interaction!
Byron
(Commercial Lender) was amazing to work with. My husband and I had a business idea and were not sure if the financing would work out. I'm so glad we called him. He was easy to work with, very responsive, and clearly knowledgeable in his field. Highly recommend.
Mindy
We have banked at FNC bank for over 20 years. We can not say enough about how helpful the personnel has been whenever we have needed help doing or understanding something.
Arthur
I absolutely love this bank!! They are very personable and I have NEVER had an issue with anything!! I love the ability to work with a small bank that is NOT forced to follow the "Rules" of a corporate company!!
Cory
We have been customers of FNCB for over 40 years and have been satisfied customers the whole way!
Doreen
I like the hometown feel and great customer service. I love the employees and they have went to great lengths to help me with things. Once I left my phone there and customer service called all my kids. Who does that? I love that they care that much.
Jean
This is the best bank ever! I love you guys for all you've done for me over the years!
Jennifer
I appreciate that FNCB keeps up with all the current technology.
Kathryn
Keep doing a great job in helping customers with fraudulent charges. Top notch support. Some of my friends have had these issues with fraud and they received ZERO support from their bank. (that was not FNCB)! Thank you!
Kate
Small town service with a smile, big city offerings!
Patty
Really great bank, down to earth and personal. Does not have the corporate feeling vibe, long holds on the phone etc. High quality experience for sure. If buying a home, (FNC Bank) is truly fantastic.
Shawn
I have been with FNC bank for over 20 years and even though I have moved, I like the small town bank so I continue my accounts there.
Christyl
Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!
Auir
The best bank I have ever used. Everyone is has been so kind and helpful!
Lisa
Have been extremely happy for the past 32 years as a customer.
