Our most popular home financing option – with good reason!
Whether you’re refinancing a home, or purchasing a home, cabin, or investment property, start with a loan that starts with YOU. With an FNC Bank conventional fixed-rate loan, you’ll take advantage of:
Competitive Rates
Only 3% Down Payment Minimum
Zero Origination Fees
A conventional fixed-rate mortgage is a loan in which the interest rate remains the same for the life of the loan. This popular mortgage option allows homeowners to choose the term that fits their goals and budget. Conventional loans are commonly used in refinancing, investment properties, or purchasing a primary or secondary home.
FNC Bank offers competitive rates, zero origination fees, and flexible loan term options including 10 year, 15 year, 20 year or 30 year*. Short on cash for a down payment? No problem! Our conventional loan allows you to pay as little as 3% down, and up to as much as you’re comfortable with. However, if you are able to apply a down payment of 20% or more, you can potentially lower your monthly cost by eliminating the need for private mortgage insurance (PMI).
Before you start searching for that perfect home, contact one of our mortgage lenders to discuss your goals and financial situation as well as start the prequalification process. A prequalification sets you up for success and provides you with information that will help you determine the budget and price range you’re comfortable with long term.
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.
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
Have been extremely happy for the past 32 years as a customer.
James
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
Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!
Auir
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
Always treated as family with every interaction!
Byron
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
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
Small town service with a smile, big city offerings!
Patty
We have been customers of FNCB for over 40 years and have been satisfied customers the whole way!
Doreen
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
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
The best bank I have ever used. Everyone is has been so kind and helpful!
Lisa
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
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
Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.
Christine
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
(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.
