• Personal Loans
  
  
  • Autombile Loans
  • Recreational Loans
  • Debt Consolidation Loans
  • VISA
  • BancLine / Overdraft Protection Line of Credit
    
    
• Home Purchase
  
  
  • Home Refinancing
  • Home Equity
  • New Construction
  • Check Rates

Personal Loans
Secured and Unsecured with different terms and conditions that may apply 

Automobile Loans

New and Used Automobiles, Trucks & Van Financing.  Different terms and conditions may apply.

Recreational Loans

Financing for: boats; motors; trailers; ATV's; motorcycles; snowmobiles and other recreational vehicles

Debt Consolidation Loans

Consolidate debt into one loan

VISA

VISA Credit Card program

BancLine/Overdraft protection Line of Credit

Loan attached to your checking to prevent overdrafts

Home Purchase

Whether you are purchasing your first home or your next home, The First National Bank of Cold Spring has a loan for you. In addition to providing financing for first homes, we also take pride in offering a variety of loan products for vacation homes, condos, second homes, lots, and acreage. Many of these products feature low closing costs and underwriting flexibility.

In addition to interest only payment options, free pre-approvals, and competitive fixed or variable rates, we have available:

• Loan terms up to 30-years
• Programs requiring zero down
• Options for no closing costs
• No private mortgage insurance requirements
• Loans for borrowers with not perfect credit

Want to get started today? Contact one of our experienced loan officers Monday through Friday 8:00 AM - 5:00 PM., or by special appointment, or apply on line now.

Home Refinancing

Take advantage of your home's increased value by refinancing your mortgage at a low attractive rate.

Contact us now to:

• Pay off a higher rate 1 st or 2 nd mortgage
• Consolidate debts for a lower monthly payment
• Access the equity in your home for improvements, educational expenses or other major purchase
• Lower your monthly payment

At The First National Bank of Cold Spring, our loan officers are experienced professionals who can help you decide if refinancing is right for you.

Contact one of our experienced loan officers to get started today, Monday through Friday 8:00 AM - 5:00 PM., or by special appointment, or apply on line now.

Home Equity

Get money to meet all of today's needs and pay it back monthly over the length of time you choose. The First National Bank of Cold Spring's Home Equity loan program will allow you to enjoy low fixed or variable rates, flexible terms and low monthly payments that fit your budget. Borrow up to 90% of your home equity. Now is the time to put your home's value to work for you.

• Home Equity Lines of Credit
• Home Equity Term Loans
• Home Improvement Loans

Want to get started today? Contact one of our experienced loan officers Monday through Friday 8:00 AM - 5:00 PM., or by special appointment, or apply on line now.

New Construction

Building a home is exciting and is everyone's dream, but sometimes the details can make the process burdensome. Our new construction program can help take some of the headaches away. Our program can make your new construction and permanent financing work together to reduce duplicative costs, thus providing a simple and flexible financing program for your new home.

Contact one of our experienced loan officers to get started today, Monday through Friday 8:00 AM - 5:00 PM., or by special appointment, or apply on line now.

For Additional Information on Home Loans or an Application Contact one of our Lender's at 320-685-4004, email info@fnbcsmtg.com , or visit http://www.fnbcsmtg.com