Products You Need: Our mortgages can be tailored to meet your financial needs.
Services You Expect: Obtain competitive rates, flexible terms, and fast responses to your questions.
Convenience You Deserve: Apply online, in person, or over the phone. Our lenders are flexible and ready to assist you with your mortgage needs.
Mortgages- Get Started!
Building a home, purchasing a new home, or refinancing? It’s an enjoyable and exciting time – and we’re here to help with the process. We’re one of the most flexible and friendly mortgage lenders in the area. We’ll be there at every step, from preapprovals through arranging your closing details.
After closing, the majority of our mortgage loans are serviced locally. This gives you easy access to your mortgage, competitive rates, and local answers to your questions.
Conventional Loans and Refinancing
Choose from a fixed or variable interest rate mortgage. Lower your down payment requirements with insured loans. Cash-out refinancing options are also available.
First-Time Homebuyers Program
If you’re a first-time homebuyer, special assistance may be available.
Government Guaranteed Loans (Federal Housing Administration - FHA and Rural Development - RD options where available)
If you require a low down payment, consider government-guaranteed mortgages. FHA-insured loans have minimal down payments, while RD-insured loans have no down payment requirements. These programs may also offer higher qualifying debt ratios, making it easier to obtain a loan.
From blueprints to finished construction, our construction loan specialists work with your home-building circumstances. Open a line of credit for construction costs, make interest-only payments during construction, and refinance your construction loans when the home is completed.
Let’s work together to build your financial success! Apply or Call Frandsen Bank & Trust Today!
PLEASE NOTE - USA PATRIOT Act Notice to Customers of Identity Verification Requirements: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all U.S. 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, 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 identifying documents.