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Consumer Lending | Calculators | Loan Applications
Specializing in Home and Auto Loans
Making Loans Fast and Easy-We’re here to help you, with local decision-making and personal service from start to finish. We make the process easy and give you the lowest rates.
Consumer Loans
We offer a variety of consumer loans with flexible terms and the lowest
interest rates.
Choose from:
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Residential Real Estate Loans
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Vehicle Loans (New and Used)
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Construction Loans
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Lot Loans
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Prime Line Home Equity Loans
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Fixed Rate Home Equity Loans
Residential Real Estate Loans
Whether it’s time to purchase your first home, move to a new home, or
refinance your existing mortgage, FCB banks have local loan officers
dedicated to serve you.
Fixed Rate Mortgages- We offer 15 to 30 year fixed rate loans with low interest rates and low fees. We also offer FREE pre-approvals and can lock in your rate for up to 120 days.
Flex-rate Mortgages- This mortgage loan offers the borrower a low fixed rate for a specific time, with amortizations up to 30-years, and a bi-weekly payment option (which can save you thousands). Other features include, our lowest closing costs, NO PMI and NO required escrows.
Home Equity and Home Improvement Loans- Our two types of home equity loans give you fast, convenient sources of financing (which may be tax deductible), whether you need money to buy a new car, pay for your child’s education, do home improvements or consolidate your high credit card debt!
They are:
PRIME LINE- Is a revolving line of credit with a low interest rate tied to Prime, that is easily accessed by writing checks for the desired amount (subject to your credit limit).
FIXED RATE LINE -This loan line has a fixed interest rate on each draw with fixed monthly payments amortized over a specific time frame.
First- Time Home Buyers -We offer a variety of programs designed specifically with the first-time home buyer in mind. Options available include down payment assistance, 100% financing, matching fund grants, and many more.
We also specialize in VA, FHA, Rural Housing, IHDA, Adjustable Rate and Jumbo Mortgage Loans.
Construction Loans
If you are building a home, we offer the most flexible terms and
conditions for your construction loan and permanent financing. We specialize
in construction loans and single closing construction to permanent
construction loans (so your permanent rate is locked when you begin
construction).
Vehicle Loans
Let us pre-approve you so that you can write a check to the dealer for
your car! We specialize in low cost car, truck and recreational vehicle
loans, with terms of up to 72 months. Special rates are available for
customers that have payments auto deducted from their FCB checking account.
Our Loan Officers are always available to sign you up for any of these great services. We’ll make after-hours appointments to accommodate your busy schedule!
