Mortgage Products

Why choose The First National Bank of Elmer for your home mortgage?

At The First National Bank of Elmer, you’ll find competitive rates, a wide range of home loan products, and local mortgage experts who will work with you from application to closing, delivering the personalized service you deserve. You’ll also benefit from:

Mortgage Products

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Fixed & Adjustable Rate Mortgages

We have Fixed Rate Mortgages and Adjustable Rate Mortgages (ARM products) to meet your mortgage needs. Popular for purchasing or refinancing your home. Our fixed and adjustable rate mortgage options come in varying term lengths and can fit whatever square footage you’re looking to move into.

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Jumbo Mortgages

We offer loan amounts that exceed conventional loan limits. Whether you are buying, refinancing or finally adding that much needed or desired renovation, we have the fixed-rate and ARM options to fit your unique needs. Jumbo mortgage financing is available for primary and secondary residences.

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Construction Mortgage

We offer construction loans and construction to permanent mortgages for those looking to build their dream home. Available for acquisitions, development, and construction. Our expert mortgage originators walk you through every step of the construction process to ensure a satisfactory experience. We are your go-to lender for building the home of your dreams.

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Mortgage benefits

  • Competitive rates and flexible terms for affordable payments
  • Low closing costs
  • Local decision making for fast approvals
  • Streamlined underwriting for faster decisioning
  • Friendly service every step of the process from experienced bankers

SAFE Act-NMLS Numbers

Safe Act Registration Disclosure: Secure and Fair Enforcement for Mortgage Licensing Act

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires banks mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). A listing of the mortgage loan originators of The First National Bank of Elmer along with their respective unique identifier number can be found below:

  • The First National Bank of Elmer - 410762
  • Julie Allen – 1376494
  • Timothy K. Anderson - 613859
  • Robert R. Bender - 1041930
  • Kevin C. Cunningham - 710035
  • Ray C. Garcia - 1376879
  • Deanna Guerrero-Hernandez - 2654368
  • Michael P. Madison – 466889
  • Anthony Marino - 1486927
  • Michael A. Penk - 662862
  • Charlene Rutherford – 718614
  • Jodie Serbeck - 1234345
  • Ruth C. Thibault - 1524294
  • Lisa Vargas - 1593707
  • Trevor A. Watson – 748446