Investment Property Loans

Finance Your Next Opportunity with a Local Partner You Trust

Whether you’re expanding your real estate portfolio, purchasing your first rental property, or refinancing an existing investment, FNB Community Bank offers flexible financing designed specifically for investment properties. As a locally owned community bank, we understand the Oklahoma market and work directly with you to create lending solutions that make sense for your goals.

 

Our experienced lenders provide personal service, local decision-making, and competitive options to help you move forward confidently.

Key Features

  • Competitive Rates
  • Local Lending, Personal Service
  • Quick Decisions
Request Info

We currently offer a 25-year note with multiple rate structure options to fit your investment strategy:

Floating Rate Option

  • Wall Street Journal Prime floating rate

  • Floor: 5.00%

  • Ceiling: 8.00%

3-Year Fixed Adjustment Option

  • Fixed for first 3 years at WSJ Prime minus 0.50% at closing

  • Adjusts every 3 years based on Prime

  • Floor: 5.00%

  • Ceiling: 8.00%

5-Year Fixed Adjustment Option

  • Fixed for first 5 years at WSJ Prime at closing

  • Adjusts every 5 years based on Prime

  • Floor: 5.00%

  • Ceiling: 8.00%

Your lender can help determine which option best fits your cash flow plans and long-term investment strategy.

Key Loan Details

  • Maximum loan-to-value (LTV): 80%

  • Minimum loan amount: $75,000

  • Origination fee: 0.75% of loan amount or $750 minimum

  • Standard closing costs apply

  • Taxes and insurance are not escrowed

Streamlined Refinance Options

If you’re refinancing an existing investment property:

  • Existing title policies and recent appraisals may be considered

  • This can potentially reduce costs and speed up the process

Our team will review what you have and help determine the best path forward.

Additional Requirements

To protect your investment and ensure property condition:

  • Termite inspections are required

  • Additional documentation may be requested based on property type

Why Finance Your Investment Property with FNB?

  • Local ownership and decision-making

  • Relationship-focused lending

  • Experienced real estate lenders

  • Flexible options tailored to investors

  • Commitment to our Oklahoma communities

Let’s Talk About Your Next Investment

Whether you’re purchasing, refinancing, or planning your next move, our team is ready to help.

Contact FNB Community Bank today to discuss your investment property financing options.

Request Info