Home Equity Loans

You may be able to borrow up to 90 percent of the equity in your home at a fixed rate, which gives you certainty with regard to your monthly payment amount.

Loan Features:

• Flexible terms.
• Fixed monthly payment.
• Borrow up to 90% of the equity in your home.
• Available for owner occupied primary residences, 1-4 family dwelling, vacation homes, townhouses and condominiums.

Recommended For:

• Borrowers who need a determined dollar amount.
• Borrowers who prefer a fixed interest rate.
• Borrowers who need a stable monthly payment in order to stay within a set budget.
• Borrowers who want to consolidate their higher credit card bills with a lower monthly payment.

Visit our Mortgage Home today or stop by any FNCB Community Office to learn more!

Rates Start Here

Once you’re approved, you can easily access funds up to your pre-approved credit limit. This gives you maximum flexibility to borrow money quickly when you need it.

Loan Features

• 10-year draw period followed by a 15-year repayment period.
• Access funds via online transfer, check or in-person.
• Principal plus interest payments during the draw period.
• Borrow up to 90% of the equity in your home.
• Available for 1-4 family owner-occupied primary or vacation homes.

Recommended For:

• Borrowers looking to finance home improvement projects.
• Borrowers who want easy access to their home’s equity.
• Borrowers who want to consolidate debt.

Visit our Mortgage Home today or stop by any FNCB Community Office to learn more!

Rates Start Here

All loans subject to credit approval.

If you have excellent credit history, you could be mortgage-free in as little as 7½ years. This loan features a fixed interest rate and stable monthly payment amount.

Loan Features:

• 30 Day Close Guarantee*
• Terms of 7½, 10, 14½, or 19½ years.
• Fixed interest rate.
• Borrow up to 80% of the equity in your home.
• Available for owner occupied primary residences, 1-4 family dwellings, vacation homes, townhouses and condominiums.
• Minimum loan amount of $25,000.
• First lien position is required.
• Escrow account available

Recommended For:

• Borrowers with an excellent credit history.
• Borrowers who wish to be mortgage free in as little as 7½ years.
• Borrowers who prefer a fixed interest rate.
• Borrowers who need a stable monthly payment in order to stay within a set budget.

Visit our Mortgage Home today or stop by any FNCB Community Office to learn more!

*The “30 Day Closing Guarantee” time frame on WOW Mortgages begins upon FNCB’s receipt of a borrower’s completed mortgage loan application including all applicable financial information. $100 will be credited to borrower’s FNCB deposit account if an approved loan is not closed within a period of 30 business days and the delay in closing is caused by FNCB. To qualify for the 30 day closing guarantee, the borrower must provide any additional documentation required by FNCB within 48 hours of the request and schedule an appraisal within 24 hours of initial contact by appraiser. Credit will not be applied if the borrower or their representative caused the delay.

Rates Start Here