F&M Trust deposit products
Put the equity in your home to good use with our FlexLOC® Home Equity Line of Credit with features that include:
New borrowers get a low introductory annual percentage rate (APR) fixed for 12 months. After the introductory period, the APR is variable equal to the Wall Street Journal Prime Rate.
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. The FlexLOC® Lock-In feature includes:
*New borrower is defined as a borrower with no active FlexLOC® within the last two years. 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.
Take advantage of our competitive variable rate Home Equity Lines of Credit, which also include the valuable option to switch to a fixed rate, giving you control over your borrowing costs.
With loan amounts from $10,000 to $400,000 on eligible properties, you can lock in a fixed rate on your Home Equity Line of Credit.
Access the equity in your single-family residence, 1-to-4 family property, or condominium with our adaptable Home Equity Line of Credit options.
Whether you're renovating, planning a large purchase, paying tuition, or consolidating debt, leverage the equity in your home for what matters most.
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You can apply in person at any of our community offices or using our online application process.
When using our online application process, you will receive a conditional answer within minutes of completing your application. For applications made in person, we can give you an answer by the end of the day if not sooner in most cases.
Our home equities are designed to be an easy, flexible borrowing opportunity to fund a wide range of needs from home renovations to large purchases like a car to consolidating debt. Contact our team to find out if a home equity is the right fit for you!