Personal Lending
Consumer Loans
A consumer loan can be used to purchase a car, truck, motorcycle, boat, or RV, or other personal needs. Turn your wants and needs into reality with a loan from Blue Ridge Bank and Trust.
- Competitive, fixed rates with a variety of terms available
- Simple interest with no prepayment penalty
- Same-day approval, processing, and closing
Mortgage Loans
Blue Ridge Bank and Trust Co., a division of First National Bank of Omaha has helped people realize their dreams of home ownership since 1958. We specialize in financing homes, not just houses.
- Fast, free pre-qualification
- Competitive fixed and adjustable rates
- Fixed and adjustable rate mortgage products, including Conventional, FHA, VA, and Jumbo loans
Our Lending Products
At Blue Ridge Bank and Trust Co., a division of FNBO, it is our mission to enable people to acquire the financial resources to realize their dreams. If you are dreaming of a new auto or home, we offer convenient and affordable financing. For more information, please call 816-358-5000 or contact a lending representative shown below.Home Equity Line of Credit
As a homeowner, you can gain access to the equity in your home. Whether you want to buy a car, take a vacation, remodel a room, or consolidate high-interest credit cards, the Easy Access Line of Credit can help meet your needs.
Once your loan is established, you just write a check. You will only be charged interest on the money you use and still have the remaining funds available for future needs.
- No annual fees, closing costs, prepayment penalty, or termination fee
- $5,000 minimum credit line to open plan
- Quick and simple approvals
- Easy access - just write a check!
With our Easy Access Line of Credit (10-year draw/10-year payout), you can borrow up to 80% of the value of your home at a variable rate of: PRIME - 1/2% during your "First Payment Stream" and PRIME + 1/4% during your "Second Payment Stream"
(Prime currently 6.75%; Floor Rate is 4.00%)
The annual percentage rate will be based on a range from 4.00% APR (Floor Rate) (as defined in the Wall Street Journal, Midwest Edition, as of December 11, 2025) to Prime. The APR may change monthly, but will not exceed 24.00% APR (Ceiling Rate).
$5,000 minimum credit line to open plan. Property insurance required.
During the "First Payment Stream" (120 months), minimum monthly payments will be based on 1% of the outstanding balance.
During the "Second Payment Stream" (120 months), the regular payment will be based on amortization of your balance at the start of this payment period, or $100, whichever is greater.
A Conversion Option is offered to convert the APR from a variable rate with annual percentage rate limits to a fixed rate. The fixed rate will be determined as published by Blue Ridge Bank and Trust Co. at the time of conversion.
Our Lenders
Our Mortgage Lenders
