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Personal Loans

Financing Your Dreams

First National Bank of Michigan offers a wide variety of loan programs and options. This allows us to tailor financing that meets the needs of each customer. Please contact us to help find the best solution for you.


Fixed Rate Mortgage Loans

The traditional fixed rate mortgage loan continues to be our most popular program by giving you the stability you want. Whether you’re looking for a conventional or FHA loan, First National Bank of Michigan will get you the right loan with the best service.
• Use to purchase or refinance a 1-4 family primary residence, investment property or vacation home
• Available in 30 year, 20 year and 15 year terms
• Provides the peace of mind of a fixed rate and payment throughout the life of the loan
Contact a mortgage specialist today.


Adjustable Rate Mortgages (ARM)

Adjustable Rate Mortgages are a great choice for borrowers who want the lowest possible initial rate and payment, intend to pay off their loan within a few years or want to take advantage of lower mortgage rates in the future without having to go through the trouble and expense of refinancing.
• Use to purchase or refinance a 1-4 family primary residence, investment property or vacation home
• Available in 3/1, 5/1, 7/1 and 10/1 ARMs with a 30 year term
• Offers an initial fixed rate period followed by an adjustable rate for the balance of the term
Contact a mortgage specialist today.


Home Equity Loan

Tap into your home’s value and get cash quickly with a home equity loan. A low interest home equity loan from First National Bank of Michigan gives you access to your home’s equity at a fixed rate.
• Refinance
• College Tuition
• New car or boat
• Home improvements, repairs and appliance purchases
Contact a mortgage specialist today.


Home Equity Line of Credit

A home equity line of credit, also known as a HELOC, is a line of credit, secured by your home, giving you access to funds to use for large expenses. A HELOC often has a lower interest rate than some other common types of loans.
• Borrow what you need, when you need it
• Ten year term with low, interest only, monthly payments
• Use your line rather than liquidate investments
• Use your line for Home improvements, major purchases or emergencies
Contact a mortgage specialist today.


Jumbo Loans

We understand that when it comes to your dreams, one size does not fit all. First National
Bank of Michigan now offers a Jumbo Loan program with down payments as low as 20%.
Our Jumbo Home Mortgage programs provide competitive pricing and several options
to help you achieve your financial goals.
Learn more about FNBM Jumbo Loans

Contact a mortgage specialist today.


Construction Loans

First National Bank of Michigan has helped countless families build their dream home. In fact, construction lending is one of our specialties. Our experienced staff is ready to help you navigate the construction process.
• Finance the construction or major renovation of a primary residence or vacation home
• Interest only payments during construction keep payments affordable while your new home is being built
Residential Construction Loan Packet
Learn more about FNBM Construction Loans

Contact a mortgage specialist today.


Bridge Loans

Bridge loans are short term loans that allow you to tap your home’s equity before you sell it. Bridge loans are the perfect solution when you are looking for a down payment to purchase an existing home or to build a new one.
Contact a mortgage specialist today.


Lot and Land Loans

Whether you want land for future or current construction, First National Bank of Michigan offers a loan program specifically for acquiring land so that you can one day build your dream home.
Contact a mortgage specialist today.


Financing Your Dreams

We have solutions and experts prepared to guide you through the process.