Mobile Banking with Mobile Deposit

*Disclaimer: Monthly payments shown are principal and interest only and do not include PMI, taxes, insurance, or other applicable escrows. Actual payment obligation may be greater. Adjustable-rate mortgages have interest rates which are subject to increase after consummation. Estimated future payments shown are based on current index plus margin (1yr. CMT plus 2.25%) rounded to the nearest. 0.125%. Actual payments will reflect the then applicable index/margin at each re-pricing interval, which may be higher than the estimates shown above. 

FEE SCHEDULE

Note: This fee schedule does not include third party closing costs such as hazard insurance and recording fees. Charges are based on a purchase transaction. 

**Depending on property type. 

Learn More 

For more information about mortgage loans from FNBC Bank & Trust, please contact: 

Tamara Powers NMLS ID: 1515324 or Candace Racz NMLS ID: 525850 

Call 708-482-7700 or email [email protected]*  

FNBC Bank & Trust NLMS ID: 512329  

*The Bank strongly recommends that customers do not send their Social Security numbers, bank account information or other confidential information by email. 

Important Disclosures, Assumptions & APR Information 

GENERAL DISCLOSURES 

1. Information displayed is accurate as of the date of the effective date and is subject to change without notice. Other restrictions may apply. 

2. The monthly payment amount displayed includes principal, interest and does not include mortgage insurance. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. 

3. The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and applicable closing costs. APR calculations based on a $100,000 loan amount for conventional mortgages inclusive of $2,273.00 title charges, $650.00 origination fee, $61.00 tax service fee, $13.50 flood determination fee, $350 verification of employment fee, and 15 days prepaid interest. The above rates are based on a servicing retained option that meets all satisfactory underwriting. Pricing, closing costs, and corresponding APRs may vary. 

4. Mortgage interest rates shown are based on a 45-day rate lock period. Under certain circumstances, a 45-day rate lock may not be available. Contact one of our Loan Officers for more details. 

5. These mortgage rates are based on a variety of underwriting guidelines and qualification assumptions. Your loan interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. 

6. THE ESTIMATED TOTAL CLOSING COSTS ABOVE DO NOT CONSTITUTE AND ARE NOT A SUBSTITUTE FOR A LOAN ESTIMATE, WHICH INCLUDES AN ESTIMATE OF CLOSING COSTS THAT YOU WILL RECEIVE ONCE YOU APPLY FOR A LOAN. This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary, and may include city, county or other additional fees and costs. 

7. The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and applicable closing costs. APR calculations based on a $850,000 loan amount for Jumbo mortgages inclusive of $2,923.00 title charges, $650.00 origination fee, $61.00 tax service fee, $13.50 flood determination fee, $350 verification of employment fee, and 15 days prepaid interest. The above rates are based on a servicing retained option that meets all satisfactory underwriting. Pricing, closing costs, and corresponding APRs may vary. 

8. The 15-year Balloon Mortgage product will result in a remaining principal balance equal to approximately 50% of the original loan amount at the end of the 15-year term.  All Balloon Mortgage products must be paid in full or refinanced at maturity.  Refinancing requires new credit approval and not guaranteed.