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    • Stack of Money

      Lines of credit up to $750,0002

    • Cycle icon

      Flexibility to borrow repeatedly

    • Percent Sign in Circle

      Only pay interest on the amount you use3

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      Consideration given to FICO scores as low as 640

  • Home Equity Line of Credit:

    A Home Equity Line of Credit (or HELOC) gives you a revolving line of credit you can use for home improvement projects. This means you have a set credit limit — with the flexibility to use as needed. When you repay your outstanding balance, the amount of available credit is replenished. With this type of loan, you only pay interest on the amount you use during the draw period.

    How a Home Equity Line of Credit Works:

    With a Home Equity Line of Credit, you are borrowing against the available equity in your home, and your house is used as collateral. Lines of credit allow you to borrow up to a certain amount, rather than a set dollar amount. As you repay your outstanding balance, the amount of available credit is replenished, meaning you can borrow against it again and again.

    The time period which you are allowed to borrow during is called the draw period and is typically seven years for interest only and 10 years for principal and interest repayment methods. The repayment period begins at the end of the draw period. Monthly payments during the repayment period are principal and interest.

    Key Features:

    • Borrow up to $750,0002
    • Variable interest rate tied to the U.S. Prime Rate3,4
    • Option to lock in a fixed rate for all or a portion of your outstanding balance5
    • FICO scores from 640 considered

    Great For:

    • Providing the flexibility to pay for ongoing home remodel or home repair costs
  • Applying for the FNB Home Equity Plus Program:

    We have convenient ways for you to get started. You can begin by adding this product to your cart. During the checkout process, you can select the option to get started online or set up a time to meet with one of our experts on the phone or in branch.

    Eligibility Requirements:

    To meet the minimum eligibility requirement for the FNB Home Equity Plus Program, the property must be located in a Majority-Minority Census Tract (MMCT). Credit is subject to approval.

    Required Identification:

    A non-expired ID (driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa)

    Getting Prepared:

    Don’t worry if you aren’t sure where to start—we’ll be by your side to help you along the entire process. While you won't need this for your initial visit to start the application process, as we evaluate your application, we may ask you for additional pieces of information. You may be asked:

    • To verify your income
    • To provide bank statements
    • To provide tax documents

With any account, you also get the latest in digital technology:

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

Compare all accounts This comparison chart makes it easy to compare all our borrowing options.

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Compare all accounts This comparison chart makes it easy to compare all our borrowing options.

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Still not sure? Answer a few quick questions to help you find the right borrowing option.

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Still not sure? Answer a few quick questions to help you find the right borrowing option.

Help me decide
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Notices & Disclosures
1 - FNB is an Equal Housing Lender; NMLS #766529.
2 - All loan products are subject to credit approval.
3 - Interest may be deductible; check with your tax advisor.
4 - U.S. Prime Rate as published in The Wall Street Journal.
5 - $75 fee for each executed rate lock

Home equity installment loans and home equity lines of credit available to applicants holding owner-occupied, primary residence collateral in a first or second lien position. Property insurance is required. Flood insurance may be required. Credit is subject to approval. Terms and conditions are subject to change at any time without notice. Home Equity Line of Credit Early Termination Fee: Early termination fee of $350 may be assessed if home equity line of credit is closed within the first three years. Home Equity Line of Credit LockOption Fee: LockOption fee of $75 for each lock. If the LockOption feature is requested, your payment must be automatically deducted from a First National Bank deposit account and cannot be cancelled. The property must be located in a Majority Minority Census Tract (MMCT) to qualify within the following states: PA, OH, MD, WV, NC, SC, VA, and District of Columbia.

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