Tennessee Housing Development Association Loans 

Affordable home financing for low- to moderate-income Tennesseans 

The Tennessee Housing Development Association Loan (THDA) program provides flexible financing opportunities for low- to moderate-income residents. It’s for first-time buyers or customers who haven’t owned a home within the last three years. Work with an experienced lender to explore all our loan terms and rates. 


  • Low down payment 
  • Flexible terms 
  • Closing cost assistance  

Online & Mobile Banking

Keep First National Bank at your fingertips to transfer funds, pay bills, deposit checks and more – anytime, anywhere. 

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Lock in our best CD rates on your terms. Choose how much to deposit and for how long and earn a guaranteed return. 

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Personal Loans

Ready to replace a refrigerator you’ve had for a lifetime or take the trip of a lifetime? Consolidate bills or pay off credit cards? We can help.