Home Loan Rates

Effective as of 7/2/2024

Our competitive mortgage rates are further enhanced by closing costs that are generally much lower than our competitors.

Regular Program for Homestead Property

20% down

Term	Rate
10 Year Fixed Rate (10 Yr. Amortization)	6.70% (Origination Fee 1%-Max $1,500)
15 Year Fixed Rate (15 Yr. Amortization)	7.00% (Origination Fee 1%-Max $1,500)
20 Year Fixed Rate (20 Yr. Amortization)	7.40% (Origination Fee 1%-Max $1,500)
15 Year Fixed Rate (30 Yr. Amortization)	7.70% (Origination Fee 1%-Max $1,500)
15 Year Fixed Rate (30 Yr. Amortization)	6.90% (Origination Fee 1.50%)

Regular Program for Homestead Property

Reduced Down Payment

Term	Rate
10 Year Fixed Rate (10 Yr. Amortization)	8.50%
15 Year Fixed Rate (15 Yr. Amortization)	8.95%
10 Year Fixed Rate (20 Yr. Amortization)	8.95%

Second Home Rates

20% Down

Term	Rate
10 Year Fixed Rate (10 Yr. Amortization)	6.70% (Origination Fee 1%-Max $1,500)
15 Year Fixed Rate (15 Yr. Amortization)	7.00% (Origination Fee 1%-Max $1,500)
20 Year Fixed Rate (20 Yr. Amortization)	7.40% (Origination Fee 1%-Max $1,500)
15 Year Fixed Rate (30 Yr. Amortization)	7.70% (Origination Fee 1%-Max $1,500)
15 Year Fixed Rate (30 Yr. Amortization)	6.90% (Origination Fee 1.50%)

Home Equity Loan Rates

Up to 70% max loan to value

Term	Rate
5 Year Fixed Rate	9.00%
10 Year Fixed Rate	10.00%
15 Year Fixed Rate	11.00%

Disclosures

Notice: This information was not complied in accordance with government regulations. Please see one of the First National Bank in Port Lavaca loan officers for full details and disclosures.

Rates, terms and conditions are subject to change without notice. All lending products are subject for approval depending on your credit history and type of loan transaction.

Adjustable Rate Mortgage (ARM) products, interest is fixed for a set period of time, and adjusts periodically thereafter. Interest and payment may increase at end of fixed rate period.

Escrow required.

National Mortgage Licensing System Institution ID: 472617