16M ....................................BELLEVILLE NEWS-DEMOCRAT Special Advertising Section FCB Banks HOMETOWN BANKING FCB Banks has been serving the Metro East for three generations, all with local family ownership and management. After originally opening banks in New Baden and Albers in 1901, customers quickly associated FCB with quality service, competitive rates, and personal customer care. These qualities became the pillars of our business when First Collinsville Bank opened in 1990 and still are today. LENDING WITH A PERSONAL TOUCH Specializing in Home and Auto home, Helping People Buy Homes Since 1901 prequalification For Homebuyers, FCB offers Conventional, FHA, VA, and Rural Housing loans, as well as access to grant programs Housing such as Illinois Development Authority St. Clair County Homebuyer County (IHDA), the Down Payment Plus® Program, Homebuyer Assistance Program and Madison Program, all of which can offer assistance for down payment and/or closing costs. If you’re considering building your new home, FCB provides several options for Construction Loans, with loans, FCB Loan Officers are eager to help you finance your vehicles, home improvements, unexpected expenses and everything in between. We pride ourselves in offering knowledge and expertise in a variety of loan products. From lot loans and construction loans, to 30year fixed rate mortgages, to Home Equity Lines of Credit, we will help you with every step of your home buying and/or home improvement needs. By working directly with you for all of your lending needs, your FCB Loan Officer will form a longterm relationship focused on your needs and based on your personal financial situation. for a monthly payment you are comfortable with, the next step is to speak with a real estate professional and begin looking for the right home. Once you have an accepted offer on the home of your choice, FCB Loan Officers will work with you one on one to make sure the loan process is as smooth as a knowledgeable, experienced staff that will work with you and your builder to help ensure a smooth, worry-free process. We also offer competitive rates for refinancing, as well as home equity and home improvement loans. WHERE DO I START IF I AM CONSIDERING PURCHASING A HOME? The first step to homeownership is to obtain a prequalification from us that can give you financing options. FCB Loan Officers can take your application in person, over the phone or online and help determine what option is best for you. When you have obtained your possible. FULL SERVICE BANKING WITH PERSONAL CARE FCB is a full service bank with 15 convenient locations. Our knowledgeable and friendly staff is here to build a strong customer relationship with you. FCB tellers and new account representatives know and greet their customers by name. In addition to a variety of loan products, FCB also offers a wide array of financial services, including checking accounts, savings accounts, investments, and tax and bookkeeping services. For customers on the go, FCB offers online banking and bill pay, mobile banking and mobile wallet payment options which include Apple Pay, Google Pay and Samsung Pay. For more information on FCB Banks and the variety of services we offer, visit fcbbanks.com or stop by the location nearest you. Time For A Home Loan? Visit fcbbanks.com for the location nearest you! SUNDAY FEBRUARY 17 2019 FCB Banks - NMLS #418466
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