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This product is specifically designed for properties located in a majority-minority census tract (MMCT).

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    • Stack of Money

      Home Equity Installment Loans up to $750,0002

    • Arrows

      Flexible repayment terms

    • Thumbs up icon

      Consideration given to FICO scores as low as 640

    • 2 Arrows Pointing Opposite Direction

      ​Borrower friendly loan-to-value ratios

  • Home Equity Installment Loan Plus:

    With a Home Equity Installment Loan Plus from FNB1 you can borrow a fixed amount, get a fixed interest rate to create a predictable monthly payment. Add in competitive interest rates and this can be one of the most affordable loans for home improvement.

    How a Home Installment Loan Plus Works:

    With a Home Equity Installment Loan Plus, you are borrowing against the available equity in your home, and your house is used as collateral. That means that the value of your home must be greater than the amount you owe on your home. This difference in the amount your home is worth and how much you owe is called equity. Other factors, such as credit score, employment history, monthly debt payments and income, are also considered.

    Key Features:

    • Borrow up to $750,0002
    • One-time, lump-sum distribution of loan proceeds
    • Fixed interest rate and fixed monthly payments
    • Flexible repayment terms
    • Consideration given to FICO scores as low as 640
    • Maximum 100% combined loan-to-value ratio3

    Great For:

    • Home improvement and home renovation projects
    Interest Rates Please enter a Zip Code to view rates in your area.

  • 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 Installment Loan Plus, 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:

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 - Loan-to-value ratio applies to loans secured by owner-occupied, primary residence real estate.

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Check the Eligibility of Your Address

Enter the address associated with the property you are using as collateral. We'll check your eligibility to proceed with your online application or appointment. Credit is subject to approval. Click to show tooltip

To meet the minimum eligibility requirement for the program, the property must be located in a majority-minority census tract. Your address will be used to verify it falls within the specific eligible area.