Summer Home Equity Line of Credit Special

Cool Backyard Plans? Think Home Equity. 

A Home Equity Line of Credit from F&M Trust is ready to keep your next big project affordable.  Add a deck, replace old windows, or consolidate high-interest bills into one easier monthly payment.  

For a limited time, take advantage of our special low 12-month introductory rate: 

*1.97% Annual Percentage Rate (APR) Introductory Rate is in effect for 12 months from the date of origination. Offer available on applications taken between June 1 – October 31, 2013 for HE Lines of Credit taken in person at any F&M Trust community office with a minimum $20,000 draw in new borrowings at settlement. On day 366 (after the introductory period), the interest rate is variable monthly based on Prime plus .25%. Offer available on 1-4 family owner occupied PA properties only. Up to 80% LTV. Minimum credit score required. There is no interest rate floor on this line and the maximum annual percentage rate is 18%. During the 10-year draw period, the full credit limit is available. You may pay only the minimum periodic payments of interest only during the draw period. During the following 10-year repayment period, a monthly payment of principal and interest is due on any balance owed. Refinances of existing F&M Trust loans or lines of credit are not eligible. Terms and conditions of this offer are subject to change without notice. Insurance must be carried on property securing this line of credit, including flood insurance, if applicable. $250 Origination charge applies. Lines of credit closed within 24 months of origination are subject to an early termination fee. All linessubject to credit approval and are for consumer purposes only. No other discounts apply.Additional restrictions, limitations and exclusions may apply.    

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