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Unlock the borrowing power in your home with a First Home Equity Line of Credit

Home Equity Lines of Credit

With a home equity line of credit, you'll have funds available when needed to fix up the house, pay college tuition, cover emergency expenses or even consolidate high-interest debt. 

Benefits of a First Financial Home Equity Line of Credit

  • Revolving line of credit that you can use, pay off and then use again without re-applying.
  • Access your funds by check or by using your FirstPlus Home Equity card at stores, online or at ATMs.
  • Interest on your loan may be tax deductible. Check with your tax advisor to see if you qualify.
  • Receive a .25% discount on the interest rate when you have your monthly payment automatically deducted from your First Financial checking account.
How to estimate the equity in your home

To get a general idea of the equity available in your home to borrow against, you will need to know your home's approximate current market value. You may be able to determine this through online research or by requesting a market analysis from a real estate agent in your area.

Once you know the market value, multiply it by .85, which reflects a loan-to-value limit of 85%. From that, subtract what you owe on your mortgage and any other debt secured by your home. This will give you an estimate of how much you could borrow.


Example (for illustration only)

  • Market value of your home = $150,000
  • Total existing mortgage(s) = $85,000
  • $150,000 X .85 = $127,500
  • $127,500 - 85,000 = $42,500

The homeowner in this example could borrow up to $42,500, based on credit history and other factors.


First Financial Bank NMLS# 401915
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