Are you in need of extra funds?
Dealing with unexpected bills? Planning your next vacation? For qualified homeowners, this could be the perfect time to borrow against the equity in your home.
A Home Equity Loan or Home Equity Line of Credit* from First Northern Bank and Trust could be the right choice at the right time.
A Home Equity Loan or Home Equity Line of Credit* from First Northern Bank and Trust could be the right choice at the right time.
For a limited time, we’re waiving these fees:
- Application Fee
- Evaluation Fee (excluding Appraisal)
- Satisfaction Fee (future)
- Recording Fee
- Credit Report Fee
- Flood Certification Fee
-
Property Report Fee
-
Escrow Set-Up Fee (if applicable)
Fee waiver is limited to the fees listed on this page. Other fees and conditions apply. See details.
For more information, visit any branch location or call 1-800-344-2274 to talk with a Customer Service Rep.
For more information, visit any branch location or call 1-800-344-2274 to talk with a Customer Service Rep.
The fee waivers are limited solely to: Application Fee, Evaluation Fee (excluding Appraisal), Satisfaction Fee (future), Recording Fee, Credit Report Fee, Flood Certification Fee, Property Report Fee, and Escrow Set-Up Fee (if applicable). All other fees, charges, taxes, insurance, and expenses that are not expressly listed will apply. Loans over $75,000 or loans requiring a full appraisal will be subject to the applicable appraisal fee. Minimum new loan of $10,000 or an increase of $10,000 for an existing First Northern Bank and Trust Co. (FNB&T Co.) loan is required. Promotion applies to First Lien or Second Lien fixed-term Home Equity Loans and Home Equity Lines of Credit. Borrowers must maintain a FNB&T Co. Checking Account. Borrowers are responsible for any applicable insurance coverage. 1-4 unit primary residence properties only. Minimum credit score of 620 to qualify. Offer good for applications received from October 14, 2025, to November 21, 2025. Terms and conditions apply. Subject to credit approval. This limited-time Promotion may be discontinued without prior notice.