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Types of Mortgages

Serving our communities since 1946, First Bankers Trust Company has lived by the motto that customers are always FIRST. We strive to be the best mortgage lenders in Quincy, IL by meeting and exceeding our customers' needs. Compare our mortgage loan options in Quincy, IL, and fill out the form to your right to connect with one of our friendly and knowledgeable mortgage lenders!

Conventional Mortgages

Conventional home loans are a type of mortgage offered by private mortgage lenders like First Bankers Trust Company, N.A. They are not insured by federal home loan programs.

Are you looking for a mortgage in Quincy, IL? Conventional loans are the most common type of home financing. They also allow you to choose between a fixed or adjustable-rate mortgage (ARM loan).

Learn more about the mortgage application process with Mortgage Lending 101 or Apply for a home loan in as little as 20 minutes.

USDA Rural Development Loans

Looking for an affordable mortgage option in Quincy, IL?

First Bankers Trust Company, N.A. is one of the select lenders able to offer the USDA Rural Development Loan. These mortgages are designed to help low to moderate-income families in eligible rural areas buy, build, or improve a home.

Applicants must meet a set of requirements ranging from household income eligibility to the location of the home. If you and the home qualify for the Rural Development Loan, you'll be looking at a great opportunity to get a fixed-rate mortgage.

Our lenders are here to help answer any questions and guide you through the process. Contact a lender today!

Home Equity Loans and Lines of Credit

Looking for an affordable way to borrow money for a large expense, home renovation project, or to pay off higher-interest debt?  A home equity loan is a great option if you already know how much you need to borrow, while a home equity line of credit HELOC) offers more flexibility to borrow what you need, when you need it, pay back your balance, and use the credit line again. Learn more about Home Equity Lines of Credit (HELOC) with First Bankers Trust Company, N.A.

Apply for a home loan in Quincy, IL!

Are you ready to apply for a mortgage or have questions about comparing mortgage loans? Visit one of our West Central Illinois locations to learn more or apply online today. Our experienced and locally-based mortgage lenders can help you find the right home loan to meet your needs. Contact a lender today!

Fill out this form and we can help you decide what mortgage option is best for you!

Please do not provide confidential information.


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