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Whether purchasing, refinancing, or building new, we have a plan for you. All of our home loans are fixed-rate for up to 30 years with conventional financing. Private mortgage insurance is also available for borrowers with less available cash for their down payment. First Bank and Trust Company services EVERY loan: meaning you make your payments directly to us and not a company in a different state. We also offer Federal Home Loan Bank Grants up to $5,000 for first-time homebuyers (as available).