Loan Center

Mortgage Loan Options

National Bank and Trust offers many different lending options, one that will fit your need and your situation. From first time buyer programs, fixed rate mortgages, adjustable rate mortgages, and jumbo mortgages to construction loans and other various financing programs. Click here to see today's rates and apply online !

Fixed Rate Fixed rate mortgages are a good choice when you are purchasing or refinancing a home. The interest rate and monthly payment stay the same for the life of the loan.

ARM Adjustable rate mortgages are also a good choice when you are purchasing or refinancing a home. You will receive an initial fixed interest rate and at the end of the fixed rate period the interest rate becomes variable for the remaining loan term, adjusting every year thereafter. Your payments may increase or decrease at the end of the fixed period.

Jumbo Loans Jumbo loans are loans for amounts greater than conventional limits. The interest rate and monthly payments stay the same for the life of the loan.

Special Programs FHA, VA, Freddie Mac and other special programs are available and provide additional opportunities for our borrowers. Ask an National Bank and Trust mortgage specialist for more details.

Products offered on this page are restricted to residents of the State of Ohio.

List of Registered Mortgage Loan Originators

Personal Loan Options

Auto Financing

National Bank and Trust has numerous rates and terms to fit your automotive borrowing needs. Various terms available on new and pre-owned vehicles. Use our handy calculator to determine the payment you desire. Contact us for rate and term quotes.

Home Equity Credit Products

TAP into the right Home Equity product suited to your needs. Absolute flexibility among options with the revolving line of credit and its variable rate and interest only payments; a single advance term loan with a fixed rate and fixed payment or the combination loan that takes the best elements of both options to give you flexibility and structure. Be your own Banker and choose the home equity option that is right for you. Click here for more information, rates or to apply.

Home Equity Revolving Line of Credit

  • Interest only payments for up to 12 years and a final balloon payment will result at maturity for the full loan balance and any remaining interest.
  • Write a check to access your account
  • Click here for more information, rates or to apply

Home Equity Term Loan

  • Fixed rate and fixed payments
  • Various terms available
  • One-time advance
  • Automatic payment from your deposit account is available
  • Click here for more information, rates or to apply

Home Equity Combo Loan

  • Combines both the variable rate revolving line of credit and a fixed rate, fixed payment term loan into one product
  • One monthly statement
  • Allows you to lock up to 75% of your approved line with multiple fixed rate advances
  • Complete the Home Equity Line Application and specify "Combo Loan" in the Special Instructions section of the application

Use our handy calculator to determine the payment on an advance of your choice!

To find out more, contact us or fill out our online application form to apply today.

Marine and Recreational Vehicle Financing

National Bank and Trust is a lending leader for Marine and Recreational Vehicles in our market area. We make your purchase easier with fixed rates and various terms. Interested in flexible payment terms and competitive interest rates? To find out more, contact us . Rates subject to credit approval.

*Automotive, Marine and Recreational Vehicle loan products offered on this page are restricted to residents of the State of Ohio.*