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If you build it, they will come. If you've found a great piece of land where you want to build your next home, we offer low rate construction loans.

Come see an expert lender about the right payment plan for you.

  • Finance your own home and build up equity
  • Competitive rates
  • Flexible terms for affordable payments
  • Easy application process
  • Efficient in-house processing
  • Friendly service from experienced lenders
  • Subject to credit approval

See below to access our mortgage loan application documents. You will find the instructions needed to complete the forms. Please start with the Borrower Application. If you have an additional borrower with whom you have combined finances (i.e spouse) use the Additional Borrower form for their information. If you have a co-borrower that you DO NOT have combined finances with, please use (2) or more Borrower forms to capture the information. 

If you need additional space to answer any of the application questions, download the Continuation Sheet. And if you are unmarried, please fill out the Unmarried Addendum. One of our lenders will be in touch soon, should you have any questions.

Download Application Instructions here.

Download Borrower Application here.

Download Additional Borrower Application here.

Download Continuation Sheet here

Download Unmarried Addendum here.


Please mail or drop off your completed application at the First National Bank and Trust main office. Email is not considered a secure transmission of personal data, please do not share personal, financial or proprietary information via email.

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