First National Bank *U*S*A*

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First National Bank USA offers a variety of loan programs to meet your needs /> br(Restrictions and qualifications may apply)

Conventional -- up to 97% Loan to Value (LTV)
FHA -- 3.5% Minimum Down Payment required
VA -- 100% Financing
USDA Rural Development -- 100%+ Financing (under certain conditions)
Non-Conforming Jumbo Loans --Minimum Credit Score 700

Conventional -- up to 97% Loan to Value (LTV) Fixed Rate and Adjustable Rate Mortgages PMI required on LTV's over 80% (Lender Paid or Borrower Paid)

FHA -- 3.5% Minimum Down Payment required 10 to 30 Year Terms Mortgage Insurance Premium (MIP) Required / 1-4 family units/Purchases and Refinances

VA -- 100% Financing one time VA Funding Fee may apply (can be financed in loan) Must be a Veteran or Active Military Member to be eligible /

USDA Rural Development -- 100%+ Financing (under certain conditions) Monthly mortgage insurance required Available only in eligible areas Income limitations apply

Non-Conforming Jumbo Loans --Minimum Credit Score 700 Loan amounts over $453,100 Minimum Credit Score 700 Expanded Jumbo Guidelines Minimum Credit Score 660 Owner occupied and secondary homes only Purchases and refinances (rate/term and cash out)