Shred Day - Edwardsville

Join us at our Edwardsville location on Saturday, May 3rd from 9 am to 11 am.  Hope to see you there!

Don't show again
Skip to Content
Close Icon

Mortgage Options

To provide the best possible customer experience, FCB Banks specializes in low cost mortgages that are locally underwritten to get you a credit decision faster.  Learn more about our Mortgage options below and then contact your FCB Loan Officer to get more details to start the pre-approval process.

FCB Flex Mortgage Loan

FCB Flex Mortgage Loans give you a competitive interest rate with the flexibility of a shorter term. FCB Flex Mortgage benefits include:

  • Fixed interest rate 
  • Flexible amortization schedule
  • As low as 10% down payment with no Private Mortgage Insurance
  • Low closing costs
  • Automatic payments are available from an FCB checking account
  • Option of biweekly payments from an FCB checking account

Conventional Mortgage Loan

Conventional Mortgage Loans allow you to have the same interest rate for the life of the loan. Benefits include:

  • Fixed Interest rate
  • As low as 3% down payment
  • Private Mortgage Insurance is required with less than a 20% down payment 

FHA Mortgage Loan

The FHA Mortgage Loan program is for all borrowers and a great option for First Time Home Buyers. FHA Mortgages are government backed loans. This program allows you the option to make a lower down payment as well as flexible underwriting standards if you have a limited credit history.  Benefits include:

  • Low down payment
  • Low closing costs
  • Variety of terms
  • Mortgage Insurance is required 

VA Mortgage Loan

The VA Mortgage Loan program is available to U.S. Military Service Members, their families and U.S. Veterans. VA Mortgages are government backed and have great benefits for those who have served our country.  Benefits include:

  • Fixed Interest rate
  • Low or no down payment
  • Variety of terms
  • Private Mortgage Insurance is not required 

FCB Banks partners with the following organizations

to offer their loan products. Please contact an FCB Loan Officer for details.

  • USDA (United States Department of Agriculture)
  • IHDA (Illinois Housing Development Authority)

Bridge Loan

If you are interested in inquiring about FCB’s Bridge Loan, please contact an FCB Loan Officer to discuss further details of this loan product.

Prefer building to buying? Find out more about our Construction and Lot Loans!

important information about procedures for opening a new account or a loan


The USA Patriot Act requires financial institutions to help prevent the funding of terrorism, money laundering activities, and identity theft. Federal law requires FCB Banks and all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account or a loan, 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 identification documents. Your cooperation with this process is greatly appreciated. By providing the requested forms of identification and answering these questions, you allow us to better protect you from identity theft while also meeting the requirements of the USA Patriot Act.

Ready to apply?

Apply Now

You are now leaving FCB Banks
Continue