Variable Rate Mortgages

An Adjustable Rate Mortgage (referred to as simply ďARM") usually provides a lower initial rate and monthly payment. However, the rate and payment are not fixed and can increase or decrease within certain limits during the life of the loan.

ARMS are appropriate for smaller owner-occupied home loans (usually less than $50,000), and rental property loans. Most of the ARMS available at First National Bank of Dennison have low closing costs, short closing periods and are housed and serviced locally by First National Bank.

We don't think financing a new home should be complicated or intimidating. That is why First National Bank of Dennison loan officers make it easy! We'll walk you through it step by step, and give you great rates at the same time.

Stop in at any of our five offices today and speak to one of our professional loan officers.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.