First National Bank in Staunton

Loan Services Picture

Loan Officers:
Rory Makler
Mike Heffren
Brian Ury
Karen Frey
Anita Duda

Member FDIC

First National Bank in Staunton offers loans for many purposes. We pride ourselves in offering competitive rates, quick loan approval and terms to meet your budget.

Experienced loan officers are available Monday through Saturday to help you with your lending needs.

Auto
Home Improvement
Personal
Business
Home
Farm
Home Equity
Recreational Vehicles
Construction

Get FREE vehicle information from NADAguides.com!

Loan Calculator

Loan Amount
Number of Payments
Interest Rate
Monthly Loan Payment

Home Equity Loans
A home equity loan allows you to use the equity in your home to pay for home improvements, college, autos and much more.

NO CLOSING COSTS
No Application fee. Ask for details at FNB. We offer several programs to meet your needs.
Inquire about our Home Equity Debit Card program.

RATES IN EFFECT 08-27-08. SUBJECT TO CHANGE WITHOUT NOTICE.
CALL FOR CURRENT RATES.

	FNB Offers

	on call service til 9:00 PM, 7 days a week for all real estate loan questions. 618-303-BANK (2265)

Mortgage Primary Residence

	TERM	INTEREST RATE	APR	MONTHLY PAYMENT
FIXED	15-year (180 payments)	5.875	5.914	$837.12
Low to No down payment	20-year (240 payments)	6.375	6.407	$738.23
	30-year (360 payments)	6.500	6.524	$632.07

BALLOON	1-year (11 payments ** )	5.500	5.579	$572.82
	3-year (35 payments ** )	5.875	5.958	$597.01
	5-year (59 payments ** )	6.125	6.214	$613.39
20% Down Payment
Low Closing Costs	**Remaining balance subject to renewal.
30-year Amoritization
NO Points - Payment based on a $100,000 borrowed amount with a 80% LTV. APR is based on an indicator score greater than or equal to 720.

Home Equity Line of Credit Primary Residence

	TLTV	INTEREST RATE
84 Month Term	<75%	Prime Rate + 0
multiple advances	76-80%	Prime Rate + 1
	81-90%	Prime Rate + 2

No Cost To Borrower - 84 Month Term - Variable Rate - Prime Rate as Published in the Wall Street Journal, currently 5.00% - APR may vary, but will not exceed 16%.

Home Equity

	TERM	INTEREST RATE	APR	MONTHLY PAYMENT
BALLOON	1-year (11 payments**)	7.000	7.110	117.21
single advance	3-year (35 payments**)	7.375	7.483	120.68
	5-year (59 payments**)	7.625	7.738	123.01
Low Closing Cost	**Remaining balance subject to renewal
20-year amortization	Up to 90% Total Loan to Value
NO Points - APR and Payment based on a $15,000 borrowed amount no PMI applies.

Auto

	TERM	INTEREST RATE	APR	MONTHLY PAYMENT
NEW - 2007 & NEWER	36-month	4.710	4.990	$449.61
**stated rates are	48-month	4.765	4.990	$345.49
subject to authorized	60-month	4.788	4.990	$283.06
auto-payment from a
FNB checking account.

USED - 2005 & 2006	36-month	6.300	6.624	$460.58
	48-month	6.500	6.771	$357.60
	60-month	6.650	6.891	$296.25

USED - 2004 & OLDER	36-month	7.300	7.640	$467.56
	48-month	7.500	7.788	$364.70
Loan Fee $50.00 - APR and Payment based on a $15,000 borrowed amount

Loan Officers

Benld Branch Eric Braasch	Bethalto Branch Martha Smith	Bethalto Branch Shannon Scheffel
Hamel Branch Brett Bruhn	Holiday Shores Branch Debbie Thomas Hoog	Maryville Branch Dione Rabida
Maryville Branch Tim Whitten	Maryville Branch John Dorsey	Mt. Olive Branch Bill Vogt
Staunton Branch: Rory Makler, Mike Heffren, Brian Ury Karen Frey, Anita Duda		Troy Branch Dave Gansner and Lisa Zabawa

Fixed Rate
A mortgage loan that gives you the assurance that you will pay the same principal & interest payment at a fixed interest rate throughout the term of your loan. We'll help you lock in the competitive term and rate you're looking for. A fixed-rate mortgage lets you take advantage of the same rate for years - even as interest rates change in the future.

Balloon
If you're looking to lock into a competitive rate, but for a shorter term, a Balloon Loan will give you the flexibility you need. With a Balloon Loan, you'll have the opportunity in the future to possibly lock in a fixed rate or renew the loan for another short term- possibly at an even lower rate. Balloon Loans may give you a chance to improve the interest rate you pay periodically compared to long-term fixed rates - for up to five years.

Construction Loans
If you're planning on building your dream home, we can help with a short-term construction loan that will give you the money you need, when you need it. We also can roll that short-term loan into a longer-term mortgage loan as you complete construction of your new home.

Convenient Payments
Automatic Loan Payments - You can make your monthly loan payments by having it automatically deducted from your checking or savings account. Simply request an authorization form from one of our loan representatives.

Connection 24 - With our 24-hour telephone banking product, you can transfer funds from your checking or savings account to make your loan payment. Simply request an authorization form from one of our customer service representatives.

Internet Banking - You can transfer funds from you checking or savings account at First National Bank to make loan payments through your Internet connection.

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you:

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver’s license or other identifying documents.