In its efforts to stimulate the economy and revive the housing market,
Congress has enacted legislation providing a tax credit of up to $8,000
for first-time home buyers. This is a tax credit, not a deduction. The $8000
credit can be filed on an amended 2008 Federal Tax Return, putting those
dollars in your hands yet this year!
If you buy your first home between January 1, 2009, and December 1,
2009, and fall within the income limits ($75,000 for individuals,
$150,000 for couples), you could qualify for an up to $8,000 tax credit.
And even better, this is not a loan; so you never need to pay it back! Click here to learn more.
If you’ve been thinking about purchasing a home or refinancing, now
is a great time to lock in a low rate. Here is a handy list of items you
will need to get the mortgage process started:
If you have been thinking about purchasing a home or refinancing, now is a great time to lock in a low rate. Here is a handy list of items you will need to get the mortgage process started:
Employment Status. Employed: Your most recent paystubs covering
the last 30 days that include your year to date total earnings on them.
Self-Employed: A copy of last year’s tax return.
Asset Verification. All recent bank statements if you have accounts
at any other banks.
Application. There are two ways to apply.
You can either stop by the
Main Office in Ames or the Ankeny office to pick up an application or
apply online here.
Rates vary day by day. Please contact one of our mortgage professionals
for more information or to pre-qualify for a loan. In Ames, contact
Sara Lehman or Shana Lancaster at (515) 232-5561, in Ankeny, Deb
Jensen at (515) 965-3969 or email loans@FNBames.com.
Safety & Stability
First National Bank opened its doors for business in 1903 and has been
serving and growing in the community ever since. We have weathered
every economic downturn throughout the years and have always emerged
stronger and more secure. With First National Bank, you can be confident
your deposits are safe and the organization is financially stable. The Bank is
well-capitalized and always looking out for the customer’s best interest.
Learn More About:
Teach Children to Save
Continuing the tradition of partnering with our local schools, First
National Bank once again participated in Teach Children to Save Day.
Teach Children to Save is a national program that sends bankers from
all over the United States to their local schools to teach fifth graders
financial skills, such as writing a check and budgeting, to emphasize
the importance of saving.
For fun activities for kids, click here
Customer Appreciation Lunch
Join us Friday, June 19, 2009 for our annual customer appreciation lunch.
It will be held at our main building: 405 5th Street across from Fareway
in downtown Ames. We will have hotdogs grilled and served by our friendly staff.
Join us for a great lunch event!
What: Customer Appreciation Lunch
When: Friday, June 19, 11am-2pm
Where: 405 5th Street, Ames
We will be taking part in United Way’s Day of Action and we will
have a donation box for any non-perishable food items you might have.
Join us in promoting Ames area food banks and the United Way!
FinanceWorks
Making Money Management Easy
Coming soon:
Coming in August, First National Bank will be introducing the next evolution of Internet Banking.
FinanceWorks, powered by Intuit’s Quicken®, will be a free addition available within Internet
Banking that will make your budgeting and finance management much easier. FinanceWorks will
help you simplify and get control over your finances, with the power to:
- Manage your finances in one place. View your complete financial picture across 5,000+
financial institutions.
- See where you’re spending your money. Track your budget through a simple, online tool.
- Take control of your finances. Set your financial goals and achieve them.
You will be able to see exactly how much you are spending on groceries, entertainment,
gas, etc., and track your monthly budget both graphically and by dollar amounts, all
on one page within Internet Banking. With the ability to see all of your accounts
from all participating institutions in one place, you will no longer have to go to
each individual website; it will all be available through your Internet Banking access.
And there will be much, much more. Keep your eyes peeled for more information.
FinanceWorks will amaze you!
