Simply a better bank.TM


WOW Mortgage Features
  • Terms of 7½, 10 or 14½ years.
  • Receive an extra 0.125% discount off our already low fixed rates when you open a Wow Maximum Earnings (ME) Checking Account.2
  • Fixed interest rate.
  • Borrow up to 80% of the equity in your home.
  • Available for owner occupied primary residences, 1-4 family dwellings, vacation homes, townhouses and condominiums.
  • Minimum loan amount of $25,000.
  • First lien position is required.
  • Escrow account available

Call 1-877-TRY-FNCB (1-877-879-3622) or find the FNCB Community Office closest to you to learn more about our WOW Mortgage Loans!


¹The "30 Day Closing Guarantee" timeframe on WOW Mortgages begins upon FNCB’s receipt of a borrower’s completed mortgage loan application with all applicable financial information. Ask your FNCB licensed Originator for further details. FNCB will credit up to $450 toward closing costs if an approved loan is not closed (or ready to close) within a period of 30 business days and the delay in closing is caused by FNCB. The borrower must provide any additional documentation required by FNCB within 48 hours of the request. Appraisal must be scheduled by the borrower within 24 hours of initial contact by appraiser. Credit will not be applied if the borrower or their representative caused the delay. $450 bank closing cost reflects document preparation fee and does not include local recording fees which vary by county. Offer begins 3/1/16 and is subject to change without notice. Annual Percentage Rates on WOW Mortgages are available for 1st lien mortgage loans with a minimum loan amount of $25,000 on 1-4 family owner occupied primary residence or vacation homes. APRs range from 3.625% for 7½ years with a monthly payment of $12.71 per $1,000 borrowed to 4.625% for 14½ years with a monthly payment per $1,000 borrowed of $7.90. Payments disclosed do not include taxes & insurance. If you choose to establish an escrow account, the actual payment obligation will be greater. Advertised APRs require loan amount not to exceed 80% of the value of the property and borrowers must meet specific underwriting criteria. Property insurance is required. Title insurance may be required for purchase transactions or WOW mortgages over $100,000. Loan terms are accurate as of 3/3/17 and are subject to change without notice. All loans are subject to credit approval.

²To be eligible for an additional 0.125% discount, loan payments must be auto drafted from Wow Maximum Earnings Checking account. Specific underwriting criteria must be met including a minimum credit score of 720. Loans are subject to credit approval.