Personal Banking


FirstHELOC is a home equity line of credit that gives the borrower the freedom to finance a major purchase or to consolidate debt. This 20 year credit facility allows the borrower the flexibility to pay only interest for the first 10 years and then to repay the obligation over the remaining 10 years. This is a convenient way to unlock the equity in your home. 

Convenient automatic loan payments deducted from any of the borrower’s personal FNBSM checking accounts.


No closing costs for FirstHELOC up to $250,000.00


Amounts limited to $2,600,000.


Interest may be tax deductible – Consult your tax advisor.


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