Your financial partner for the big stuff in life.

First & Farmers will help you make the best financing choice for your family — even if it doesn’t make us the most money.

Home of the $99 Closing Costs Special*

FFNB in-house offer

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Meet Our Team

First & Farmers National Bank simplifies home financing.

Banking local means you get to work with local lenders who you know and trust. You are at the heart of every decision we make.

*Subject to credit approval. Certain terms and conditions may apply. Based upon financing of $100,000 on a 5/1 ARM at Annual Percentage Rate of 8.50% amortized for 30 years, the estimated monthly payment amount on principal/interest is $768.91. Closing costs of $99.00 are not included in financed amount. Closing Costs do not include prepaid interest, taxes, insurance, and escrow reserves. To obtain offer, you must be purchasing or refinancing owner-occupied residential real estate. For a limited time only.

Adjustable Rate Mortgage (ARM)

Local Decision Making with your local lender

We offer various ARM options for a home purchase, refinance, or home equity purpose.

Fixed Home Loan Rate

Whatever your situation, we can help guide you to the loan that is best for you.

We have multiple fixed in-house loan options. This type of loan offers the ultimate flexibility in local decision-making.

We also offer these secondary Government Loan Programs

  • Freddie Mac
    • If you already have a Freddie Mac Fixed Rate Mortgage Loan with First & Farmers National Bank, you may access “Your Loan Servicing Center” by clicking here. You may also make your payment at any First & Farmers National Bank location.
  • Veterans Administration (VA)
  • Federal Housing Administration (FHA)
  • Rural Housing Subsidy (RHS)
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Construction Loan

If you’re building a home, this type of loan is tailored to your specific project

We have two options to choose from: Construction Only or Construction to Permanent.

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Bridge Loans

Use the equity of your current home to buy a new one without being tied to perfect timing. A bridge mortgage loan allows you to buy a new home before your current house is sold.

Home Equity Loan

With a home equity loan choose fixed or variable rate options

It’s great for large expenses like consolidating debt, home improvements or college tuition. We offer a competitive closing cost special. Subject to credit approval. Ask your lender about it today!

Home Equity Line of Credit (HELOC)

A home equity line of credit offers flexibility for any size expenses. Make monthly payments based on a percentage of your used line of credit.


Determine how much house you can afford so you can confidently begin the home buying process. Contact our team for Home Loan Pre-Approval.


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Personal Loan

Fixed-rate, flexible terms

First & Farmers offers you the flexibility you need to get the car (or boat, or RV) you want. Personal installment loans are fixed-rate loans with terms ranging from a few months to a few years.