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Home Equity Lines of Credit and Loans

Let your equity work for you.

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Home Equity Line of Credit1

A home equity line of credit allows you to borrow money against a limit determined by the equity you’ve built through home ownership. You pay interest only on the amount you use.

Benefits of a HELOC (Home Equity Line of Credit)

  • Best for multiple purchases, ongoing use or projects with uncertain costs
  • Make purchases with a Visa┬« Debit Card, check or online transfer
  • Only pay interest on the amount you are using
  • Credit limit is determined by need, equity in home, income and credit score
  • Lower rates than personal loans or lines of credit
  • Interest rate reduction based on your First National Bank relationships
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Home Equity Loan

A home equity loan allows you to borrow money against a limit determined by the equity you’ve built into your home. Our First National Home Equity Loans have competitive interest rates and a variety of payment terms to meet your needs.

Benefits of a HELOAN (Home Equity Loan)

  • Best for large, single purchases of a specific amount for predictable monthly payments
  • Loan amount is determined by need, equity in home, income and credit score
  • Lower rates than personal loans or lines of credit
  • Interest rate reduction based on your First National Bank relationships
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Calculate Your Home Equity Line of Credit or Loan

Use our interactive home equity line of credit and loan calculators to compare interest rates, payments, and even estimate the maximum amount that you can borrow.

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HELOC FAQs

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    Important Information

    1The Home Equity Line of Credit product is not available if the property is located in the State of Texas.

    2Contact a Personal Banker for complete details and additional information. Annual Percentage Rates (APRs) are subject to change without notice. Terms and conditions based on approved credit.