Everything's falling... even our Home Equity rates.

Your home represents one of the best investments you can make, one that you can borrow against in a time of need or great opportunity. Using the equity that you've accumulated, Home Equities let you borrow money against the equity in your home. F&M Trust offers both fixed rate Home Equity Loans and variable rate Home Equity Lines of Credit depending upon your needs.

Act now to get one of the best deals around.  Take advantage of your home's built-in equity while rates are low.  F&M Trust can help you access extra funds with two great options.  Use the option that's best for you to pay off high-interest bills, make home improvements, and more.

Apply just once, and then as you borrow and repay the line, you can access funds over and over.
Limited time offer - enjoy a low fixed introductory rate for 12 months.*


Or, lock in your rate with fixed payments for the full term of your loan.  
Limited time offer - enjoy a low fixed rate for 7 years.**

This is a limited time offer, rake in your savings by calling or stopping by the 
F&M Trust location nearest you and apply today.

*1.76% Annual Percentage Rate (APR) Introductory Rate is in effect for 12 months from the date of origination. Offer available for a limited time on in-person applications taken beginning March 9, 2015 for Home Equity Lines of Credit at any F&M Trust community office. Minimum $10,000 draw in new borrowings at loan settlement. On day 366 (after the introductory period), the interest rate is variable monthly based on Prime plus 0.25% (less 0.50% for Relationship Checking customers). 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 and payments of minimum periodic payments of interest are allowed. During the following 10-year repayment period, a monthly payment of principal and interest is due on any balance owed. Up to 80% LTV. Lines of credit closed within 24 months of origination are subject to an early termination fee.
**Annual Percentage Rate (APR) shown available as of March 9, 2015 for a fixed rate home equity loan for 84 months for $40,000 with automatic payment drafting from an F&M Trust Relationship Checking account. Other rates and terms available. Monthly payment would be $13.32 per $1000 borrowed based on 3.46% APR for 84 months for $40,000. The monthly payment example does not include taxes and insurance premiums, and will be greater if taxes and insurance are included (an initial customer deposit may be required if an escrow account for these items is established). Minimum $40,000 in new money borrowed is required. Up to 85% LTV.
All loans and lines are subject to credit approval and are for consumer purposes only. Minimum credit score required. Offers available on 1-4 family, owner occupied PA properties only. Insurance must be carried on property securing lines and loans, including flood insurance, if applicable. $250 origination charge applies. No other discounts apply. Additional restrictions, limitations and exclusions may apply. Terms and conditions of these offers are subject to change without notice.

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