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How to Get a Loan

Once you select The First Bank and Trust Company to obtain your home loan, you will be amazed at how quickly and simply the loan process moves. Before you know it, you will have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a Loan Officer, who can answer questions, is just a phone call away.

Here is an overview of the loan-application process

STEP ONE -- Apply Now! Getting started is easy

Complete your loan application, which can be done easily through our website. To get started, select the full application from the list on the left.  If you prefer, you can schedule an appointment with one of our Loan Officers who can assist with the process.

At the appropriate time we will pull credit and verify all of the information on your loan application and order a property appraisal on your behalf.

STEP TWO -- Your Loan is Approved

You, your Real Estate Agent, or the Seller will designate an an Attorney or other Closing Agent to handle the loan closing, along with many other factors which make your loan closing go smoothly.

We will coordinate everything with your Attorney or Closing Agent and you will sign the final papers at their office.

Simple, Straightforward, Cost Effective, and FAST!

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