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Apply for a Home Equity Loan or Home Equity Line of Credit*.

Are you a qualified homeowner in need of funds?

You could borrow against the equity in your home. Use your Home Equity Loan or Home Equity Line of Credit* to pay for home improvements and renovations, repairs, unexpected bills, tuition, weddings, and other important things. Trust our independent community bank for personal service and local decision-making.

For a limited time, we’re waiving these fees*:

  • Application Fee
  • Evaluation Fee (excluding Appraisal)
  • Satisfaction Fee (future)
  • Recording Fee
  • Credit Report Fee
  • Flood Determination Fee
  • Property Report Fee
Fee waiver is limited to the fees listed on this page. Other fees and conditions apply. See details.

For more information, visit one of our 11 branch locations 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 Determination Fee, and Property Report Fee. 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. Borrower must maintain a FNB&T Co. Checking Account. Borrowers are responsible for any applicable insurance coverage. Borrowers are responsible for any applicable costs or fees related to escrow. 1-4 unit residential primary residence properties only. Minimum credit score of 620 to qualify. Offer good for applications received from February 2, 2026 to March 13, 2026. Terms and conditions apply. Subject to credit approval. This limited-time promotion may be discontinued without prior notice.