Home Equity Loans

Let your home lend you a hand!

Your home may be your most valuable asset and could help finance your next project.

Benefits You’ll Love

Local Lenders
Competitive terms & flexible rates
Fast decision-making & ongoing servicing

Uses for Home Equity Financing

Home Renovations
Dream Vacation
Consolidate Bills
Medical Expenses

What is Home Equity?

Home equity is the value of a homeowner’s financial interest in their home. In other words, it is the difference between the home’s fair market value and the outstanding balance of all liens on the property. Home equity loans are a great option because they are tax deductible and have favorable interest rates. Put your home’s equity to work for you!

All loans subject to application and credit approval. First Bank Kansas is an Equal Housing Lender. NMLS #528128

Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) is a revolving line of credit, similar to a credit card, where you can use the money as you need it up to a predetermined limit. You repay the debt in monthly payments. You accrue interest only on the funds you use, regardless of your loan limit. A benefit of the HELOC is that it can be set up ahead of time so you do not have to go through the application/approval process each time you need additional funds. Some of the features of a First Bank Kansas HELOC are no annual fee, 10-year draw period, easy access to your account, advance any amount you need up to your credit limit (subject to $100 minimum), and enjoy an economical way to finance projects.

All loans subject to application and credit approval. First Bank Kansas is an Equal Housing Lender. NMLS #528128

Home Equity / Second Mortgage

A home equity loan gives you a set amount of funds at one time. The amount you qualify to borrow is based on a percentage of your home’s value. First Bank Kansas home equity installment loans can have fixed or variable interest rates and up to a 15-year payback period.

All loans subject to application and credit approval. First Bank Kansas is an Equal Housing Lender. NMLS #528128

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