Lending Services

When it Comes to Mortgages, You Have Options

Buying a home is one of the most important choices you'll make with your money, and First Bankers Trust Company, N.A. is here to help! From our expert mortgage lenders to our elite loan processing team, you'll be on your way to owning the home of your dreams. When you choose to finance your mortgage with us, you have options.  

Conventional Mortgages

A conventional mortgage or conventional home loan is a type of mortgage offered through a private lender like First Bankers Trust Company, N.A. as opposed to being offered by the government.

These are the most common type of home financing. Conventional mortgages normally have a fixed interest rate, which is dependent on the terms of the loan such as length, amount, fixed interest or adjustable interest rates, and more.

Check out our Mortgage Lending 101 page to learn more about the process or if you are ready to move forward, you can Apply Now in as little as 20 minutes.

USDA Rural Development Loans

In many of our local communities, there’s an exciting and affordable option for a mortgage with little or even no down payment!

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.

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 with no down payment.

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


Home Equity Loans

If you need help covering expenses, remodeling, or avoiding mounting debts, a home equity line of credit, also know as HELOC, is a great option. Learn more about Home Equity Lines of Credit (HELOC) with First Bankers Trust Company, N.A.