Superior Service

We dedicate time to each one of our customers and walk them through the loan process step-by-step


Our team works closely together to complete your application in a timely manner.


With so many other options to choose from we distinguish ourselves with experience and service.

Let us take care of your lending needs.

First HELOC 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 First HELOC up to $250,000.00
  • Amounts limited to $2,600,000.
  • Interest may be tax deductible – Consult your tax advisor.
  • Want to get started today?

At First National Bank of South Miami we also offer a variety of secured term loan products designed to meet your personal financing needs.


We make it easy for you to ride in the car of your dreams. Loans are available for various terms that best suit your financing needs from 24 months up to 60 months, depending on the model year of the car you are buying. Apply and allow us to help you determine the car that you can best afford. 



Enjoy boating? Find the right boat for you and let FNBSM make it easy for you to buy your boat and start enjoying your days on the beautiful Florida waters! Loans are available for various terms that best suit your financing needs from 24 months up to 84 months, depending on the type of boat you are buying. Apply and be surprised how fast you receive your approval. 



Sometimes it just makes sense to use your existing investments in stocks, bonds, or certificates of deposit as collateral to secure temporary financing. Apply and one of our experienced lenders will get in touch with you to customize the best loan possible for your personal needs.

Let's discuss our personal loan options.

Find a Lending Officer