Mortgage Center


Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
  3. A First National Bank & Trust Loan Officer will follow up to answer your questions.

Apply Now

Our goal is to provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 606-877-2216.

  • Rate Watch

    Rate Watch

    Keep an eye on rates via e-mail. Sign up for Rate Watch.

  • Home Equity

    Home Equity

    Put your home to work for you with a home equity loan or line of credit.

  • Mortgage Calculators

    Mortgage Calculators

    Whether you are considering purchasing a new home or deciding if it is the right time to refinance, use our calculators to help you make your decision.