The equity in your home is a powerful tool

As you make your mortgage payment every month, your equity increases. If the value of your home goes up due to the real estate market, your equity also increases.

You can use the equity in your home to fund a variety of improvements—not just around the house. Use a home equity loan (HELoan) or home equity line of credit (HELOC) for:

  • home renovations
  • a dream trip
  • pay down high-interest debt or debt consolidation

Let's learn about getting a home equity loan or line of credit

Step 1

Figure out how much money you need for your project, debt consolidation, or other use.

Step 2

Calculate your equity. Equity is determined based on your home's value and how much you owe. You can use our calculator to estimate how much you can qualify for.

Step 3

There are two types of home equity lending choices. Home equity lines of credit are popular for their flexibility and low rates, but we also offer home equity loans if you are looking for a fixed lump sum.

Step 4

Apply for the best option for you. If you aren't sure what is best for you, talking with a banker at one of our financial centers is the best option. Ready to go? You can apply online or in-person.1

Step 5

Put your HELOC or home equity loan to use. Whether you take the trip, build the pool, or consolidate your debt, you are only limited by your imagination.

How much could I qualify for?

The proof is in the numbers. Use our helpful calculators to figure out how much money you can qualify for and what your monthly payment will be.

Your HELOC resource center:


So many ways to use your equity

If you have equity in your home, use it to make a variety of improvements - not just around the house. Interest rates on home equity loans and lines of credit are typically lower than credit cards, which helps you save money in the long run.

Debt consolidation

Remodel your home

Jumpstart your education

Plan your dream vacation or event

Prepare for a new family member

Start a new business

Purchase a vacation home

You are only limited by your imagination

Explore our home equity options

Frequently asked questions

Home equity refers to the difference between what you owe on a mortgage and what your home is currently worth. To determine the amount of equity you have, subtract the balance of your mortgage from the current value of your home.

A loan is a lump sum of money paid over a fixed amount of time. A line of credit allows you to draw, repay, and draw again as you need funds.

Depending on the exact terms of your loan, you may be able to convert some or all of your variable-rate balance to a fixed-rate option.


* APR = Annual Percentage Rate. For a fee of $100, borrowers may lock all or a portion of the outstanding balance for a fixed term at a fixed rate. You can do this at any time during your draw period. Promotional rate ends June 30, 2024.

1 Rates and terms vary depending on lien position, occupancy, loan-to-value, property type, credit score, and debt-to-income. $75 annual fee after first anniversary. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate. The interest rate will not exceed 18%. For a fee of $100, borrowers may lock all or a portion of the outstanding balance for a fixed term at a fixed rate. Home Equity Lines of Credit have a Draw Period and Repayment Period. During the Draw Period, the minimum monthly payment is interest only. At the end of the Draw Period, the Repayment Period begins. During the Repayment Period, the principal balance, excluding previously locked amounts, is amortized over a period of 15 years, which may increase the monthly payment previously due. No closing costs and/or origination fees on Home Equity Lines of Credit on owner occupied residences. There is an origination fee of $1,250 on non-owner occupied properties. All loans subject to credit review and approval and rates are subject to change without notice. Additional loan benefits may apply. For additional information on loan benefits, please view our checking account options.

2 Rates and terms vary depending on lien position, occupancy, loan-to-value, property type, credit score, and debt-to-income. The applicable interest rate is fixed. No closing costs and/or origination fees on Home Equity Installment Loans on owner occupied residences. There is an origination fee of $1,250 on non-owner occupied properties. All loans subject to credit review and approval and rates are subject to change without notice. Additional loan benefits may apply. For additional information on loan benefits, please view our checking account options.

3 Rates and terms vary depending on lien position, occupancy, loan-to-value, property type, credit score, and debt-to-income. $0 annual fee. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate. The interest rate will not exceed 18%. For a fee of $100, borrowers may lock all or a portion of the outstanding balance for a fixed term at a fixed rate. Home Equity Lines of Credit have a Draw Period and Repayment Period. During the Draw Period, the minimum monthly payment is interest only. At the end of the Draw Period, the Repayment Period begins. During the Repayment Period, the principal balance, excluding previously locked amounts, is amortized over a period of 15 years, which may increase the monthly payment previously due. No closing costs and/or origination fees on Home Equity Lines of Credit on owner occupied residences. There is an origination fee of $1,250 on non-owner occupied properties. First lien position only. All loans subject to credit review and approval and rates are subject to change without notice. Additional loan benefits may apply. For additional information on loan benefits, please view our checking account options.

4 APR = Annual Percentage Rate. Introductory rates start at 6.99% for the first 6 months. $10,000 minimum loan amount or increase to existing line required. Eligible on owner occupied properties only. Must apply by June 30, 2024 for promotional rate. Non-promotional rate ranges from 8.35% to 11.80% APR. All loans subject to credit review and approval and rates are subject to change without notice. For additional information on loan benefits, please view our checking account options.

5 APR = Annual Percentage Rate. Rates range from 7.35% to 10.75% APR. All loans subject to credit review and approval and rates are subject to change without notice. For additional information on loan benefits, please view our checking account options.

6 APR = Annual Percentage Rate. Rates range from 8.35% to 11.80% APR. All loans subject to credit review and approval and rates are subject to change without notice. For additional information on loan benefits, please view our checking account options.

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