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Home Equity Loan

Home Equity Loans & Lines

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Make your dreams a reality!

Special Introductory Rates: April 1 - June 30, 2019*

Click here for more information or Apply Online below.

Home Equity Line of Credit

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A home equity line of credit from First National Bank is a flexible credit line, with the benefit of anytime-spending possibilities. Whether you want to tackle that home improvement project, take a much-needed vacation, pay for your child's braces, finance a college education or simply consolidate your debt, we can help you find the perfect home equity line to fit your needs. Imagine the possibilities!

  • Variable-rate or fixed-rate financing - you choose the option that's best for you!
  • Funds available when you need it
  • Repayment based on amount of credit line outstanding
  • Up to 90% combined loan-to-value financing available
  • Interest may be tax deductible
  • Easy access - advance funds from your credit line to your checking account through Touch Tone Teller, Online Banking, or a call to your loan officer
  • Also serves as overdraft protection
  • Property insurance is required

*Your approval rate, and credit limit will be based upon your creditworthiness and property value. The maximum amount of total loans with us, and others, including this request, may not exceed 90% of your property’s value. You will be required to maintain property insurance. Consult a tax advisor regarding potential deductibility of interest. Variable rate lines are available with a 15-year term, with rates ranging from 5.50% APR to 6.25% APR (based upon the Prime Rate as the index as published in the Wall Street Journal plus a margin) as of March 18, 2019 and is subject to change without notice. These rates may change due to an increase in the Prime Rate, however will never be less than 5.50% APR, or more than 14.25% APR. *Closing Costs = evaluation and appraisal fees only, which may range from $100.00 to $550.00. The 6-month introductory fixed rate (80% LTV or less = 2.99% APR, and 81% to 90% LTV = 3.99% APR) is applicable for 15-year variable rate HELOC products only. This promotional offer is available for new applications submitted from April 1, 2019 through June 30, 2019.

Home Equity Loans

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A home equity loan is a loan secured by the equity in a home. Equity is the value left when you subtract the debt on your home from the fair market value of your home. In other words, the price you paid for your home minus the remaining mortgage you have. 

With a First National Bank Home Equity Loan, you can consolidate debt or pay for major expenses. Home equity loans give you the security of a fixed-rate payment on principal or interest for the life of the loan, a steady repayment schedule and

Contact one of our Home Equity Specialist today! 


Jacki Foley

Jacki Foley
Direct: (515) 663-3085
NMLS# 609249

Ankeny, Johnston & West Des Moines

Kristi Tripp

Kristi Tripp
Direct: (515)440-7186
NMLS# 672859


vicky halvorsen

Vicky K. Halvorsen
Direct: (641) 223-4217
NMLS# 745275


Nicole Jacobson

Nicole Jacobson
Direct: (641) 223-4226
NMLS# 999221

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