Buying your first home…Building your dream home…Refinancing your current home…
No matter what your needs are, choosing the right home loan is one of the most important decisions you will ever make. We offer a variety of financing options, and our experienced lenders can help you find the right loan to meet your needs*.

Fixed Rate Mortgages

Do you plan to stay in your home for several years? Consider a fixed rate mortgage. You choose the term that’s right for you – 10, 15, 20, even 30 years. You can lock in today’s low interest rates for the life of the mortgage loan, giving you peace of mind knowing that your payment will never increase.

Balloon Mortgages

Do you need more flexibility with your home loan? Consider a balloon payment mortgage. You choose the term that fits your needs. The interest rate will be fixed for a shorter period of time – typically three to five years.

Rural Development (RD) Guaranteed Housing Program Mortgages

Are you a first time home buyer? You may qualify for a RD Home Loan. This government-sponsored lending program helps first-time home buyers achieve their dreams of home ownership.  

Home Equity Mortgage Loans

Do you currently own a home? Our home equity loans let you take advantage of the equity you’ve built in your home. You can use a home equity loan to finance home improvements, education expenses, or any other major purchase. Plus, the interest on the home equity loan may be tax-deductible (consult your tax advisor).

Get a jump start on the application process!


Click Here to start your application.

Notice to Customers:  Our lending officers have completed the necessary requirements for registration in the Nationwide Mortgage Licensing System and Registry.
Registry ID numbers are as follows:

The First National Bank of Allendale 403003
Brooke Sanders       2140261
David Guinnip          403062
Gary Ritz                 403152
Gloria Schnell          811423
Julia Tennes            403346
Liz Dunn                  403343
Rae Lynn Barbre     2063997
Rodney Loeffler       403196
Sarah Ile                 1578610

For more information, visit

*Not all borrowers will qualify for all lending programs. Income restrictions and collateral requirements may apply.
National Mortgage Licensing System Consumer Access NMLS 403003

To start your Mortgage Loan Application