We’ve built a better way to borrow!

Homeowners, the equity in your house can help pay for just about any major purchase you can dream of—like a home remodel, new landscaping, or even a pool.
Your line of credit is reusable, meaning you can access it again and again as you make payments during the draw period. With a line of credit, you’ll have funds available to you whenever you need them – and for whatever you choose.


  • Home Equity Line of Credit 3.49% APR for the first twelve months. As low as 5.49% APR after.
  • 10 year draw period with monthly interest-only payments.
  • After the draw period, the outstanding balance will be paid off in monthly principal and interest payments, over a 15 year period.
  • No fees on lines up to $1,000,000
  • 80% Loan to Value – combined mortgages plus Home Equity Line of Credit not to exceed 80% of home value

Rates are subject to First Bank auto debit, otherwise rate is 0.75% higher.

Get more information and apply by going to a First Bank branch.

*The APR is a variable rate and is based on the Prime Rate as published in the Wall Street Journal. The advertised APR is discounted and is based on Prime minus 1.51%. The advertised APR will remain in effect for twelve months after loan origination. After this, the variable rate APR will range from Prime + .49% to Prime + 1.49%, depending on the applicant’s credit score. As of 8/10/2018, the APR ranges from 5.49% to 6.49%. The APR may increase but will not exceed 18% in California. Offer based on auto-debit of payments from a First Bank checking account. If not auto-debiting payments from a First Bank checking account add .75% to both the introductory rate and the permanent rate. Offer expires 10/31/18.