Home Equity Lines of Credit (HELOC)

Home Equity Line of Credit is a convenient and flexible revolving line of credit that gives you the option of drawing on your loan for any reason. A Home Equity Loan might be right for homeowners who prefer:

• Access to funds for a one-time expense
  
• A fixed monthly payment
  
• A predictable pay-off schedule
  
• The benefit from interest that may be tax deductible
  

Home Equity Line of Credit rates are a low cost way to borrow… use the equity you have in your home to:

• Remodel or renovate your home
  
• College Expenses
  
• Vacation Getaway
  
• New boat or car
  
• Unexpected home or car repairs
  

Contact First Farmers & Merchants Bank to help you decide what is best for you.

*Subject to credit approval