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Whether you’re a first-time buyer or a seasoned homeowner, it's important to understand the differences between available mortgage options when shopping for a home loan. We offer a full range of home loans and our process is designed to be easy. And our home loan specialists are always here to help you evaluate your options.

Online Mortgage Center

Easily apply for a home loan, find our home loan expert in your areas, schedule a free consultation or check on your loan status.

Fixed Rate Loans

Know exactly how much you will be paying and for how long. Fixed-rate loans make it easy to plan and stay within your budget.

Adjustable Rate Loans

Adjustable rate loans from First Bank of Berne typically begin with a low, fixed rate for an initial term and adjust upward or downward.

Home Equity

Put the equity in your home to work for you with a home equity loan or line of credit. Either option provides you with a great borrowing option.

Construction Loans

A convenient loan product to finance a new home, garage, out-building, or remodeling project.

100% Financing

100% financing on purchases utilizes no down payment funds and the bank will finance 100% of the purchase price.

Home Possible Mortgage

This program provides a responsible, low down payment mortgage option to help borrowers realize their dreams of home ownership.