LOANS

For personalized help with loans, email Neala Wilson, Sr. Vice President - Loan Dept. @ nwilson@firstbankdelta.com or call (870) 816-1111.
 
For Mortgage assistance, email Susan Hobson, Vice President - Mortgage Dept. @ shobson@firstbankdelta.com or call (870) 816-1111.

 

 

Adjustable Rate Mortgage

An adjustable rate mortgage is a home mortgage loan in which the interest rates periodically change with the market. There are limits on how high rates can climb.

Put as little as 10% down.

Initial rate lower than fixed rate loans.

Private Mortgage Insurance is collected monthly - no cash up front for mortgage insurance.
Agricultural Loans

This type of loan is available for many different needs. Please contact us for details on the following types of agricultural loans:

Crop Production: A line of credit extended for the cost of planting crops. The loan is paid in full when the crops are sold.

FHA Crop Loans: The same terms as a crop production loan except it is insured by the Farmers Home Administration.

Equipment Loan: Used for the purchase of agricultural equipment and may be paid in installments up to five years.

Real Estate: A loan for the purchase of farmland. This loan can be paid in monthly or yearly installments. Terms can be arranged.
Commercial Loans

From purchasing land, equipment, or inventory to arranging a line of credit, First Bank, N.A. has the commercial loan for you! Our commercial loans feature:

Competitive Rates

Individualized Packing

Can be made with assistance from the Small Business Administration
Consumer Loans

A loan for just about any purpose, including buying a car or mobile home. These loans are secured with repayment terms from 12 to 60 months. These loans include:

Flexible terms

Individualized packaging

Competitive rates
Construction Loans

A Real Estate Loan for the construction of residential or commercial property. This loan features:

Interest is paid only on funds drawn

Competitive Rates

Funds may be drawn as construction is in progress

The loan may be converted to a permanent loan or resold on the secondary market
FHA/ VA Loans

Home loans available in cooperation with the Federal Housing Administration and the Veterans Administration.

FHA loans have a $121,296 limit on a single-family unit

Lower down payment required

Fixed rate for the duration of the loan Higher debt ratio allowed compared to a conventional loan
Home Improvement Loans

Money to fix up your home! Available as a second mortgage or as a consumer loan, First Bank, N.A. has a home improvement loan for you.

Flexible terms

Competitive rates

Individualized packaging
Real Estate Loans

A loan that can be secured by your residence, land or rental property. These loans are available to purchase property or restructure debt.

Flexible terms

Competitive Rates

Detailed analysis on all assets and liabilities to offer an individualized package

  






Member FDIC

First Bank, N.A.
P.O. Box 2507
425 Plaza Street
West Helena, AR 72390
mainoffice@firstbankdelta.com
(870) 816-1111

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