Unlock Your Home's
Potential with a HELOC.

0% APR for 12 months, 4.99% APR thereafter.*

Start the Process

Turn your home equity into cash with a HELOC from FNBO

Redesign your living space, tackle high-interest debt, prepare for the unexpected, and more.

What is a HELOC?

A HELOC, or Home Equity Line of Credit, is a loan that lets you borrow money against the equity you’ve built through home ownership. Equity is the difference between your home’s value and the amount you owe on your mortgage. With a HELOC, you can access your available equity, up to a limit, and only pay interest on the amount you use.

Why Choose a HELOC from FNBO?

At FNBO, our HELOC product gives you a flexible and convenient way to access your home equity and achieve your goals. Plus, you can save money with our amazing rate: 0% APR for the first 12 months, and a low 4.99% APR after that*. Whether you need to pay off debt, improve your home, cover expenses, or fund education, our HELOC can help you do more with your home equity.

What can a HELOC loan from FNBO do for you?

Enjoy an exclusive HELOC offer: 0% APR for 12 months, 4.99% APR thereafter^*
Flexibility - Only pay interest on the amount you use
No origination fees^*
May be tax deductible – Consult with a tax professional
Expert advice and guidance from Francisco Robinson, our dedicated banker

Start Your Inquiry

Are you looking to buy a home, refinance or have mortgage questions? We can help. Learn about our Road to Home Mortgage Program.

About Francisco Robinson

Why I am drawn to work that supports my community

I grew up in Aurora, Illinois, where I learned the values of education, family, and giving back from my mother. As I pursued my professional career, I realized that not everyone in my community had the same opportunities and access that I had. That’s why I decided to use my skills and experience to help others achieve financial success and empowerment. Some of the things that motivate me are:

Seeing more representation and diversity in the banking world
Teaching financial literacy and investment skills to my community
Making an impact and creating positive change
Building meaningful relationships with people from all walks of life

If you are looking for a banker who understands your financial needs and goals, and who can help you achieve them, I would love to hear from you. Let’s work together to make to make your goals a reality.

Francisco Robinson
Relationship Banker
NMLS#: 2544245
Direct Line 630-466-5030
Cell 402-253-9712

Contact Francisco Robinson

Contact Francisco about this Special Offer

Banking with Impact.

As the 'great big small bank,' our purpose is to improve the financial wellbeing of our customers and ensure the success of all the communities we call home. We firmly believe that for a community to be strong, every individual must also have the resources and opportunities to succeed.

When an individual is financially well, they can afford the things they want and need. They can also save for the future, create generational wealth, and help support their local economies. Of equal importance, when an individual is financially well, they experience less financial stress, can focus on what matters most to them, and simply enjoy life more.

We're independent, family-owned, and focused on the long view instead of the next quarter. It's been our recipe for success for more than 165 years. Our Holding company – First National of Nebraska – now has more than 4,000 employees with branch locations in eight states. We use this success to invest millions back into our communities, focusing on key areas of need, such as Affordable Housing & Neighborhood Stability, Entrepreneurship & Small Business Development, Education & Workforce Development, and Environmental Sustainability.

Learn More About FNBO

Road to Home Mortgage Program

If you’re a homebuyer, or looking to refinance, our Road to Home mortgage may help! Ask your loan officer about the program and if you are eligible to take advantage of this unique borrowing opportunity.

Road to Home benefits:

No processing fee
Down payment assistance up to $6,000
Eligible credit scores as low as 580
Down payment as low as 3%

Click below to find out more about this exclusive mortgage offer.

Road to Home Mortgage

^* Offer refers to a home equity line of credit secured by the equity in your single-family, owner-occupied, or investment, home. Offer applies to Illinois residents within specific areas that have been identified as having majority-minority populations. You must carry insurance on the property that secures your account. Approval and terms subject to credit qualifications. Some limitations will apply.

After the initial 12-month promotional rate, the APR is 4.99% fixed for the duration of your term. APR is accurate as of August 24, 2023. A minimum credit line of $10,000 is required. Introductory offers may not be combined with any other relationship discounts. You may be required to pay certain fees to third parties for lines greater than $250,000. These fees generally total between $940 and $2,515.

Contact a banker for complete details and additional information. Annual Percentage Rates (APRs) are subject to change without notice. Terms and conditions based on approved credit.