10/16/2026
Saving for a down payment? You might need less money than you think.
Qualify for First Northern Bank and Trust’s First-Time Home Buyers Program* and cross “homeowner” off your bucket list! Instead of paying a landlord, make your own mortgage payments that build equity over the years. In time, borrowing against that equity could give you access to funds when you need them, for home repairs, debt consolidation, or unexpected expenses.
Our First-Time Home Buyers Program features:
• Low down payment requirements
• Reduced interest rates
• Application fee refunded at closing
• Must meet maximum household income limits based on median household income by county
• Borrower and Property must meet all standard qualifying guidelines.
* Terms and Conditions apply. Subject to credit approval. Pre-authorized payments from a borrower’s First Northern Bank and Trust Checking or Savings Account are required for participation in this program. Subject to availability of funds.
As an independent, community bank, First Northern Bank and Trust is committed to helping our neighbors. We offer:
• Experienced mortgage lenders
• Local decision-making to help speed the process
• Personal customer service
• 11 Convenient branch locations
Settling down in your own home is a solid step forward toward feeling more stable and financially secure. Ready to get started?
Explore program details https://tinyurl.com/y4kveya4.