Mortgage Loans

When you're in the market for a mortgage

Our lenders are registered with the Nationwide Mortgage Licensing System and will help you figure out what type of mortgage best fits your needs. We know the local housing market and national mortgage industry, so you can lean on us for all the assistance you need, from start to finish. We make loan decisions locally, which helps you get a quicker decision and provides an overall better experience for our customers.

Want to know more about the mortgage lending process? This mortgage loan toolkit has valuable resources and information. Ready to apply? Click here to get started!

Fixed-Rate Mortgage

A Fixed-Rate Mortgage is a popular choice because you know what to expect with your monthly payments. Your interest rate stays the same for the life of your loan (up to 30 years), which means your payment also stays the same.

Adjustable-Rate Mortgage (ARM)

An ARM helps you take advantage of lower interest rates in the early stages of your mortgage compared to other options. Lock in a lower rate for 3, 5 or 7 years. After that, your rate can adjust based on market conditions. It's a good choice when you want a low initial interest rate, plan to sell your home soon or expect rates to decline.

Construction Loan

Get the money you need to build your home from the ground up or customize it with a remodel. It's a great option for paying construction costs while your home is being built or expanded. Learn more about our Construction Loans.

Maine State Housing Authority (MSHA) Loan

First National Bank is an approved lender in the MSHA Loan program, which provides affordable loans to qualified first-time buyers. These loans feature low fixed interest rates and options with little or no down payment required. You can also get help paying for closing.