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The First National Bank of Moose Lake
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| Access to fundsMortgage Rate Relief If you are looking to purchase a new home or refinance your current one, you may qualify for the Mortgage Rate Relief program+. We have partnered with FHLB Des Moines to offer you this exceptional program for a limited time. Want to learn more? Contact one of our Loan Officers today by phone, email, or stopping in! Disclosures Offer is subject to credit approval. * APR is the Annual Percentage Rate. The stated APR is effective as of July 6, 2026. Rates may be higher based on a number of factors such as credit history, term length, etc. Rates, terms, and conditions may change at any time. + Mortgage Rate Relief is offered in partnership with the Federal Home Loan Bank of Des Moines. Qualified applicants will receive an approximate 1.5% interest rate reduction below the current market rate. This interest rate reduction only applies to 30-year fixed-rate mortgage loans. Mortgage Rate Relief may be used to purchase a borrower’s primary residence and must be a 1-4 single-family unit property. The Mortgage Rate Relief product is available to home buyers earning up to 80% of area median income (AMI), determined by the Federal Housing Finance Agency’s Underserved Areas Data. All owner/occupant’s income must be considered when determining eligibility for this interest rate reduction product. This includes any income that is used to qualify for the mortgage loan. An example of a typical $100,000.00 loan with a 20% down payment, with a credit score of 620, and 1% origination fee charged as a percentage of the loan amount: Annual Percentage Rate (APR) of 5.331% for 360 months with a monthly payment of $544.49. Payment excludes taxes, homeowners’ insurance, and mortgage insurance (if applicable). The APR referenced in the example is the lowest rate available as of 7/6/2026 and may vary based on loan amount, borrower credit, loan to value, property type, occupancy, etc. Terms and rates may change at any time. Offer valid as long as funds last and may expire at any time. | WithheldThe First National Bank of Moose Lake · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |