Home Equity Loans and Lines of Credit

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.

Limited time offer on Home Equity Lines of Credit - enjoy a low fixed introductory rate for 12 months.

Or, enjoy the convenience of a low fixed rate Home Equity Loan to finance home improvement projects, education expenses, consolidate bills or whatever you need.    


To help you get started - Receive a FREE $50 Lowe's Gift Card*** with a new Home Equity Line of Credit of $10,000 or more.

This is a limited time offer so get rolling to the F&M Trust location nearest you and apply today.

*1.72% Annual Percentage Rate (APR) Introductory Rate is in effect for 12 months from the date of origination. Offer available for a limited time on applications taken beginning June 23, 2014, for Home Equity Lines of Credit taken in person at any F&M Trust community office with a 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 .75% less .50% for Relationship Checking customers. There is no interest rate floor on this line and the maximum annual percentage rate is 18%. During the following 10-year repayment period, a monthly payment of principle 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. Must have an F&M Trust checking account to receive the Intro Rate.

**Annual Percentage Rate (APR) shown available as of June 23, 2014 for a fixed rate home equity loan for 84 months for $60,501 with automatic drafting from an F&M Trust Relationship Checking account. Other rates and terms available. For example, the monthly payment would be $13.30 per $1000 borrowed. $10,000 minimum loan amount. Up to 85% LTV.

All loans and lines 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 properties 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. 

***$50 Lowe's gift card will be presented at loan settlement for new qualifying home equity lines of credit; available for a limited time, while supplies last. We reserve the right to substitute a gift of similar value. As required by law, F&M Trust will report the value of the gift to the IRS. Terms and conditions of this offer are subject to change without notice. LOWE'S is not a sponsor of this promotion and is not affiliated with F&M Trust. LOWE'S and the GABLE MANSARD DESIGN are registered trademarks and service marks of LF, LLC

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