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We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.

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What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Alan and Lynne were very friendly and helpful through this entire process. They were professional and knowledgeable. I was 100% satisfied with the service I received.

Ward J


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Alan Efting made the process easy! Always a joy to do business with which is why we reached out to First National first.

Williams L

Alan and his team handled the entire process extremely well. They made everything go very smooth. They are the best we have ever worked with. Again. That is why we came back to Alan for this mortgage. They deserve an award for the professional way they operate.

Williams G

My experience with your bank and with Alan Efting could not have been better. Allan's support and communication through the process was invaluable. I would highly recommend First National Bank to friends and relatives.

Robert S

Awesome experience. Alan and his team were very responsive to all of the questions that we had during the loan process.

Aaron B

Answer: It was a pleasure working with you and your team. Everyone was so friendly,and knowledgeable whenever I had a question or concern. I would most definitely recommend your bank to people. Very happy!!

Donna B

We have used Alan Efting’s service several times and every time things go smoothly. We would highly recommend Alan and FNB for mortgages to all we know.

Cindy M

Alan and Lynn were extremely helpful in making our home buying experience a very pleasant and successful one.

Alex S

Alan and Lynn did a great job. I’m self employed which makes underwriting very difficult and Alan’s team was able to get me the perfect loan at a competitive rate. I can’t say enough good things about them and FNB. Thank you

Robert E

Very smooth transaction from start to finish. Everything worked exactly like we were told it would from day one.

John Q

I am blown away at the FNB mortgage process that I went thru to refinance my home. It was a positive, thorough and pleasant experience. I will be a longtime patron with FNB.

Elizabeth E

Alan and Lynn were amazing to work with.

Patricia C

The loan that was provided wasn't your typical loan from what I understand. Although it was difficult at times navigating uncharted waters 1st National was very helpful along the way. Thank you for everything you have done for us

Linda W

Alan and Lynne made the process very friendly and smooth. Both did a great job!

Stephen D

My overall experience was great. I was always addressed with kindness when I called for help.

Patsy P

The entire process was made very easy by the team at First National Bank. My questions were answered promptly. The service was professional, but also caring and personal.

Jodi S

Buying a new home, which will be our retirement home can be scary, but you guys made it a lot less stressful than it could have been. Great continued communication goes a very long way. Thanks. Also Lynn was outstanding to work with!

Richard F

We had a very good experience with the whole process. Well handled and attentive staff.

Pamela L

From the very beginning Alan assisted us flawlessly in applying for and obtaining our loan. He was available for any questions we had during the process and the entire team including the underwriters were clear, concise and helpful in ensuring a successful close. We appreciated doing with business with First National Bank

Robert G

Very professional, expedient service provided on my recent refinance transaction. I have worked with Alan on prior transactions and each time I'm impressed with his professionalism and willingness to work through any issues. His assistant, Lynn, is equally as helpful.

Jim B

Loved the communications with Lynne Stallings...bright, articulate and very easy to work with.

Art B

Answer: My experience with Alan and his office personnel was great. I would recommend them to everyone I know! Thank you all so very much.


We found the team to be professional, friendly, accommodating and very responsive to our needs.

Charles K

The experience was great, we were informed every step of the way. The service was exceptional and the staff very professional.

Gregory G

I was contacted by email and each time the response was immediate. I was very impressed with the progress of the loan process

Verma H


Kenneth S

Very thorough and timely

Anjanette S

Alan and Lynne were personable and positive. They took care of the grueling details so the bank, the builder and the borrower are all satisfied and confident that the documents are correct.

Elizabeth L

I was very pleased with our overall experience. Both Alan Efting and Lynne Stallings were professional, pleasant and working with them was a pleasure.

Robert L

Alan was great to work with and very helpful and knowledgeable

Joseph D

Process started with Personal Baker, Brandon Demery, identifying a need based upon conversation then a referral to Alan. Both handle the need and process to a tee.

Eric V

Easy, loan process

Terry P

The whole process seemed effortless

Leslie L

We were very pleased with the communication through the whole process. Plus any other questions we had they were answered promptly.

Tom H

As always, Alan and Lynn did a fantastic job to expedite my loan. They are easy to work with and very accommodating

Cindy K

Everyone I dealt with was very professional and quick. It was a pleasure working with them!

Clinton B

Alan and Lynne kept me informed and were easy to reach by phone.

John S

This man helped me close on the impossible house, one mired in legal woes(owner and neighbor dispute over access.) He and Lynne Stallings, his assistant, stayed with me for a year, helping me to negotiate the road to closing

Katherine M

A home town experience. Everything ran smooth and fast

Lona W

From day one my wife and I got the very best of service you could ever want. We have had several house buying experiences and this one was by far the best. During this whole process, which was fairly quick to begin with, if I had a question, all I had to do was to make a quick call and the question was immediately taken care of. I would recommend this group to anyone looking for their services. George and Gail

George and Gail W

Alan made the process for receiving our home loan effortless.

Kimberly S

Alan and team did a tremendous job of making the entire mortgage process a breeze. I have purchased a couple of homes and refinanced several times over the last 2 decades with other lenders and this was by far the best mortgage lending experience ever!

Robert J

Mr. Alan and team help us through the paperwork and the process for our mortgage and make the transaction runs smooth. We really appreciate and happy with our experience with Mr. Alan and team. We highly recommend them.

Ferna D

Mr. Allan and his staff did excellent job.

Didi S

Alan & Lynne were fantastic to work with. Very professional and very prompt. Re-Fi went perfectly. Will happily refer others to this great team.

Don H

The rate was fantastic, and we really appreciated the personalized help.

Mary W

Prompt, courteous and thorough responses to any of our questions is an example of exceptional customer service

Ellen K

Awesome service and quality product rates.

V Coley

Alan and Lynn were extremely helpful, knowledgeable and patient. I previously had a horrible experience with the folks at Wells Fargo so I went into this as a cynic. Alan and Lynn calmed my fears and were exceptional.

Scott C

Alan made the loan process understandable to me. He explained the procedures and helped me through each step. If I had any questions I would e-mail or call and he would respond immediately.

Teresa S

Alan and Lynne were both patient and took the time to explain answers to our many questions. It took us some time to get information back to them but their reminders and follow ups were very helpful.

Mark J

Could not have better, Alan was quick to get thing started and Lynne handled everything very professionally to closing. I am very satisfied.

Dan P

Working with Alan and Lynne was a pleasure. They both were very knowledgeable, prompt and worked well with in our time frame. We greatly appreciate the effort and work ethic they put into ensuring it was a smooth experience. They were always accessible either by phone or email to answer any questions we had while purchasing our new home. Thank you for everything and God bless.

Jennifer D

Alan was the first person we met in Wilmington 27 years ago. We've closed MANY transactions over the years and I wouldn't use anyone else. He's always professional, diligent, efficient and kind. Feel like he's family.

Jayne E

Alan and Lynne are a great team!

Craig M

Allen and his team was very responsive to all my questions, they had a great template to keep you informed as to where you stood in the mortgage process.

Jerry S

Alan and Lynne were outstanding

Pareshkumar P

Alan and his team were wonderful to work with! They answered all emails and phone calls very quickly and helped me understand the process! I highly recommend this group!

Maranda T

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