BUILD HERE.
SAVE HERE.
Concrete savings, competitive financing and local guidance—built into one construction-loan program.
*7.50% interest rate; 7.90% APR based on a $350,000 loan and $504 in prepaid finance charges.
All loan products are subject to credit approval, underwriting requirements and program eligibility. Terms and conditions apply.
First Neighbor’s construction-loan offer and government-administered Enterprise Zone incentives are separate. We want that distinction to be clear from day one.
✓ Up to $400 appraisal credit
✓ $550 construction-fee waiver
✓ 7.50%/7.90% APR* best-qualified balloon rate
✓ Complimentary site evaluation
*7.50% interest rate; 7.90% APR based on a $350,000 loan and $504 in prepaid finance charges.
All loan products are subject to credit approval, underwriting requirements and program eligibility. Terms and conditions apply.
✓ Construction-material sales-tax exemptions
✓ Property-tax abatements** (single family homes)
✓ Waive Building Permit Fees
**On qualifying residential projects, the abatement applies to the increased property value created by new construction. Existing property value remains taxable. Qualifying residential projects may receive a 5-year, 100% abatement on the increased property value created by new construction.
For more information on these incentives and on the Coles County Enterprise Zone, visit Coles Together's website.
Eligibility and benefits are determined and administered by government authorities—not First Neighbor Bank. Incentives are not guaranteed.
A local lender can help you understand the financing process while you coordinate eligibility questions with Enterprise Zone administrators.
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01 A qualifying residential build in the Coles County Enterprise Zone
02 Plans, specifications and a detailed construction budget
03 A qualified general contractor who meets FNB underwriting requirements
04 Standard financial and credit documentation
Connect with a First Neighbor Bank construction lender to discuss your homesite, plans and financing options.
CORPORATE CENTER: 217-849-2701
ARTHUR: 217-543-2265
CASEY: 217-932-4048
CHARLESTON: 217-345-4060
GREENUP: 217-923-3125
MATTOON: 217-234-9700
NEOGA: 217-895-5800
NEWMAN: 217-837-2491
PARIS: 217-463-1111
TOLEDO: 217-849-2702
CALL TOLL FREE: 1-877-865-3361
Routing Number: 071109082
NMLS#: 586002
All credit products subject to credit approval.
ARTHUR: 217-543-2938
CASEY: 217-932-4048
CHARLESTON: 217-345-3010
NEOGA: 217-895-3272
See First Neighbor Tax & Accounting on Facebook.
*Tax and accounting services provided by First Neighbor Tax and Accounting are not FDIC insured.
CASEY & MATTOON: 1-888-865-9704
See First Neighbor Wealth Management on Facebook!
**Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Neighbor Bank and First Neighbor Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using First Neighbor Wealth Management, and may also be employees of First Neighbor Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of First Neighbor Bank or First Neighbor Wealth Management. Securities and insurance offered through LPL or its affiliates are:
| Not Insured by FDIC or Any Other Government Agency | |||
| Not Bank Guaranteed | Not Bank Deposits or Obligations | ||
| May Lose Value | |||
Your Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html
LifeQuotes.com offers life insurance products on behalf of First Neighbor Wealth Management and is a non-deposit product which is:
| Not Insured by FDIC or Any Other Government Agency | |||
| Not Bank Guaranteed | Not Bank Deposits or Obligations | ||
| May Lose Value | |||
First Neighbor Wealth Management's products and services are non-deposit products which are:
| Not Insured by FDIC or Any Other Government Agency | |||
| Not Bank Guaranteed | Not Bank Deposits or Obligations | ||
| May Lose Value | |||
First Neighbor Bank provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. First Neighbor Bank is not responsible for the products, services, and/or any content presented on third party websites. Once you link to another web site not maintained by First Neighbor Bank, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.
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