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Experience the joy that comes with purchasing a home — with the help of mortgage officers who actually know the local market.

We can help you get a great deal on your home and will walk you through the mortgage process step-by-step. Start your application today, and drop it off at our main office.

We are proud to offer Homes for Heroes. Connect with our Mortgage Loan Specialist, Rhett Hillard, NMLS #1979420, to see if you qualify! Qualifying heroes include: firefighters, EMS, law enforcement, military (active, reserve, and veterans), healthcare professionals and teachers.

  • Competitive rates for home purchase, refinance, or construction
  • Terms customized to your needs
  • Wide range of financing programs available
  • Free pre-qualification available
  • Low closing costs
  • Loan advisors experienced in the local real estate market
  • Local processing and decision-making in Central Illinois
  • Detailed, friendly service

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 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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