FlexLOC Home Equity Line

With FlexLOC, get a flexible borrowing solution that puts you in charge.

This home equity line of credit not only gives you quick access to the cash you need when you need but also puts you in control of your interest rate. Whether you are making home improvements, financing major purchases, making tuition payments or consolidating higher interest debt you can put the equity in your home to good use with FlexLOC.


A FlexLOC® home equity line of credit with F&M Trust features:

  • Line amounts between $10,000 - $400,000
  • 10 year draw period and 10 year repayment period
  • Only pay on the amount you borrow
  • No Application Fee
  • Competitive 12-month fixed introductory rate for new borrowers


New borrowers get a low introductory annual percentage rate fixed for 12 months. After intro period, APR is variable equal to WSJ Prime.

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Stay in control of your rate with the FlexLOC lock-in feature.

  • This flexible feature allows you to transfer all or a portion of your outstanding balance to a fixed rate with a fixed term and avoid the stress of fluctuating interest rates.
  • Lock in balances of $10,000 or more
  • Flexible lock-in fixed terms for up to 15 years
  • Lock up to 3 segments
  • Low lock-in fee of $50, waived for F&M Trust personal checking customers


For a financing option that gives you flexibility AND control, Apply Now for a FlexLOC home equity line of credit with F&M Trust today!


Minimum line $10,000; maximum line $400,000. Up to 85% loan-to-value. Minimum credit score required. All lines are subject to credit approval and are for consumer purposes only. Line of credit available on 1-4 family, owner occupied PA, MD, and WV properties only. Insurance must be carried on property securing the line, including hazard and flood insurance if applicable. Lines of credit closed within 3 years of origination date will be charged deferred settlement costs. Additional restrictions, limitations and exclusions may apply. Maryland Properties: F&M Trust pays Recordation Tax on loan amounts up to $150,000; borrower is responsible for Recordation Tax on loan amounts greater than $150,000. 



Home Equity Line of Credit

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Applying for a home equity line of credit is fast, easy and secure.


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