Home Equity Lines of Credit

Ready and waiting, right when you need it
  • Arrange for low-cost loan fund.
  • Access to your money over and over again.
  • Ask about Fixed Rate Advance.

Extra money for when life
gets extra expensive. 

With just one application, you can write your own loans for the next 10 years.

Over time, we all get pretty good at making ends meet. But, when things get challenging, it's nice to know there's something in reserve. With a Home Equity Line, you can pay the tuition, fix a transmission, and upgrade the kitchen, all from the same loan funds. In short, you’ll have extra cash available whenever you need it – and for whatever you choose.

  • Check out our special HELOC offer.
  • Get a credit line of up to 80% of your home's equity.
  • Pay interest only on the money you've actually used.
  • Take up to 15 years to repay principal after draw period ends.
  • No closing cost on Lines up to $500,000 for standard documentation.
  • Access money easily at First Bank locations, with checks or through eBanking.

Fixed Rate Advance

As interest rates continue to rise, consider a Fixed Rate Advance on a Home Equity Line of Credit.

  • Make use of the money and take advantage of Fixed Rate Advance options during a 10-year draw period.
  • Convert all, or part, of your variable-rate Home Equity Line of Credit balance into a fixed rate.
  • Even if your variable rate increases, the payment of your converted (fixed rate) part stays the same.
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