Welcome to my Web Site! I am Molly Lionberger, Assistant Vice President and Sr. Loan Officer at FBT Mortgage, a subsidiary of First Bank and Trust.
At FBT Mortgage, a subsidiary of First Bank and Trust, we are experts in FHA, VA and Conventional Home loans. I primarily serve the Mississippi Gulf Coast, the lower six counties: Harrison, Hancock, Jackson, Stone, Pearl River and George, however, since we are a subsidiary of First Bank and Trust, we have the ability to originate and close loans in most states across the country.
Whether you need 100% financing, a fast closing, construction loan, refinance, debt consolidation or a reverse mortgage, I have the expertise to get your loan goals met.
Purchase Loan Programs:
Up to 100% VA Financing
Up to 97% Conventional Programs
Up to 100% FHA Loans (with DPA)
MS Home Corporation Bond Program
Down Payment Assistance (DPA)Gift Programs
Closing Cost Assistance Gift Programs
Limited Doc Loan Programs
Creative Financing
Interest Only
Refinance Loan Programs:
Rate/Term Refinance up to 97% of your home value (primary residence)
Cash out Refinance up to 95% of your home value (primary residence)
Cash out Refinance up to 70% of your investment property
Debt Consolidation
Other Perks we offer:
Free Credit Report
Low Closing Costs for purchases
No closing cost options for Refinances
Free Advice on how to improve your Credit Score
No surprises or surprise fees at Closing!
FAST loan approvals. Secure On-line application. We make it Easy! State of the Art technology combined with fast decisions and solutions to your home financing needs! Electronic filing of most required documents means it gets there faster and you get a decision faster. We've cut down on duplicated information, too -- give it to us once, our systems "remember" it so we don't ask again! And beyond our state-of-the-art technology, we have good old fashioned expertise in mortgage lending. We know the ins and outs. We do the heavy lifting for you -- saving you time and aggravation.
Why Locals & Realtors Prefer FBT Mortgage, a subsidiary of First Bank and Trust. Buying a home is one of the top 10 most stressful events in a person's life, right up there with getting married, having a baby, etc. Plus, you don't do it everyday. When you've picked out your dream home, the paperwork and hoops to jump through with disclosures, appraisals, inspections, title insurance, escrow, notaries and more can be overwhelming. We are in-house processing and in-house government underwriting. We don't just take your loan application and then ship it off to an out-of-state processing center, like many large lenders. We can get your loan closed more quickly as a result.
The most stressful part of the loan process is waiting for your final approval. When you have a question regarding your loan, you will actually get a live person when you call our Biloxi Office. I personally return all of my calls the same day. If I am out of the office, my calls are forwarded to my cell phone. When you send me an email, you can count on a reply the same or next business day, guaranteed.
Many first-time homebuyers think their real estate agent will help them through a confusing mortgage process. Your real estate agent is looking out for you, no question about it. But it's your FBT Mortgage Team who works on your behalf, with all that paperwork, to ensure that your loan is approved and that you close on your home purchase timely. We make it easy so that you can focus on your exciting future!
Local News:
Incentives for Investors: Since Hurricane Katrina, our region has experienced tremendous rebuilding and reinvestment. Much of the rental housing was severly damaged or destroyed, especially in the Bay St. Louis, Waveland, Pass Christian, Long Beach, Gulfport, Biloxi and Pascagoula commmunities. Go Zone Tax Incentives (up to 50% depreciation the 1st year) and MS Development Authority $30,000 forgivable grants are available for investors who purchase new construction rental property. Feel free to call me or email me for more information.
Today's Rates:
Mtg Loan
Rate
APR
30-yr Fixed
6.05%
6.25%
15-yr Fixed
5.6%
5.9%
1-yr Adj
5.29%
6.56%
* national averages
Mortgage Calculator:
Sales Price:
$
Down:
%
Interest Rate:
%
Term:
yrs
Monthly payment:
$
News Headlines
Thank you for visiting. You have made the first smart step in home financing. Learning as much about programs and the approval process will make achieving your home financing goals a snap! Molly Lionberger is the Assistant Vice President and Sr. Loan Officer at FBT Mortgage, a subsidiary of First Bank and Trust. She has helped hundreds of families understand what it takes to get low interest rate loans on the Mississippi Gulf Coast. She also has the skill to assist savy investors purchasing GO ZONE eligible investment/rental properties.
Whether you are a first time home buyer, with many questions or a savy real estate investor, Molly Lionberger at FBT Mortgage, a subsidiary of First Bank and Trust has hundreds of products to fit your needs. Please complete the secure on-line loan application. Our team looks forward to helping you achieve your purchase, refinance or reverse mortgage needs. Equal Housing Lender.
Welcome to my Web Site! I am Molly Lionberger, Assistant Vice President and Sr. Loan Officer at FBT Mortgage, a subsidiary of First Bank and Trust.
