Your trusted partner for fixed-rate home loans up to 30 years. Whether you're buying, refinancing, or building, I'll guide you through conventional financing options. Need help with your down payment? Ask about private mortgage insurance. First Bank and Trust Company provides local servicing for every loan, ensuring your payments stay right here. First-time homebuyer? Explore potential Federal Home Loan Bank Grants up to $5,000 (subject to availability). Apply online now for personalized service and competitive rates.