Unlock Your Home's
Potential with a HELOC.

2.99% APR for 12 months — 5.99% APR thereafter.*

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Turn your home equity into cash with a HELOC from FNBO

A home equity line of credit can assist you in redesigning your living space, tackling high-interest debt, preparing for the unexpected, and more.

Home Equity Line of Credit
No Origination Fees, Low Intro Rate

2.99 % APR

Fixed for 12 months.

5.99 % APR

Variable thereafter*

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.

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Call 630-466-5030

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

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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 your goals a reality.

Overland Park, KS, Blue Valley Parkway Branch

One for you. One for good.

FNBO is the great big, small bank and for more than 165 years, we've been with you where you are. Our purpose is to improve the financial well-being 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 and can focus on what matters most to them.

Every facet of our business is focused on financial wellbeing. Our purpose-led approach drives how we serve our customers to help them achieve their goals, how we provide our employees with an inclusive environment in which to excel, how we engage the businesses we purchase goods and services from, how we support nonprofit organizations in our communities and even how we work to sustain and improve the environment.

We're privately owned and rooted in six generations of family leadership, focused on the long view instead of the next quarter. It's been our recipe for success for more than 165 years. Since our inception, our holding company - First National of Nebraska - has grown to 5,000 employees with locations in nine states and nearly $35 billion in assets. We use this success to invest millions back into our communities, focusing on key areas of need, such as Affordable Housing, Workforce Development and Financial Literacy.

FNBO's mission is grounded in building and maintaining long-term relationships by delivering a superior customer experience. We believe in and live by our mission and core values: Integrity in every interaction. Respect for our employees, customers and shareholders. Passion for all that we do.

Learn More About FNBO

Frequently Asked Questions

At FNBO, our HELOC gives you a flexible and convenient way to access your home equity and pursue your goals. Take advantage of our limited-time introductory rate: 2.99% APR for the first 12 months, followed by a variable 5.99% APR thereafter.*

Whether you want to pay off debt, improve your home, cover expenses or fund education, an FNBO HELOC can help you make more of your home equity.

Benefits:

  • Enjoy an exclusive HELOC offer: 2.99% APR for 12 months, 5.99% 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 with Francisco Robinson, our dedicated representative

The amount you can borrow with a HELOC depends on the equity you have built in your home. To determine this, subtract your current mortgage balance from your home's current market value. Typically, lenders allow you to borrow up to 80% of your home's value, minus the remaining mortgage balance.

A HELOC gives you the flexibility to use the funds for almost anything you need. Some common uses include:

  • Home improvements: Renovations, repairs, or upgrades to your home.
  • Debt consolidation: Paying off higher-interest debts like credit cards or personal loans.
  • Education expenses: Covering tuition, fees, or other educational costs.
  • Emergency expenses: Handling unexpected costs such as medical bills or urgent repairs.
  • Major purchases: Financing big-ticket items like a car or a vacation and more!

If you're a homebuyer, or looking to refinance, our Road to Home mortgage may help!

Benefits:

  • No processing fee
  • Down payment assistance up to $6,000
  • Eligible credit scores as low as 620
  • Down payment as low as 3%

Talk to our community lenders about the program and if you are eligible to take advantage of this unique borrowing opportunity. Click below to find out more about this exclusive mortgage offer.

Road to Home Mortgage

* A 2.99% introductory Annual Percentage Rate (APR) is fixed for the first 12 months after account opening and is available for a limited time. Thereafter, the APR will become variable based on the Prime Rate plus an applicable margin. As of August 3, 2026, the variable APR is 5.99% and may increase or decrease with changes to the Prime Rate, up to a maximum APR of 18.00%.

Offer is available to qualified applicants residing in eligible low- and moderate-income census tracts in Illinois, Colorado, Kansas and Missouri for Home Equity Lines of Credit secured by an owner-occupied single-family residence or eligible investment property. A minimum credit line of $10,000 is required. This offer may not be combined with relationship discounts or other promotional offers.

All loans are subject to credit and property approval, loan-to-value requirements, underwriting guidelines and program eligibility. Not all applicants will qualify.

For credit lines over $250,000, third-party fees may apply and generally range from $940 to $2,515. Actual fees may be higher or lower depending on the transaction and services required.

Property insurance is required. Flood insurance may also be required if the property is located in a designated Special Flood Hazard Area.

Rates, terms, conditions and promotional offers are subject to change or termination without notice, except as otherwise required by applicable law.

Contact a banker for complete program details, current rates, eligibility requirements and additional disclosures. Equal Housing Lender. NMLS #412727.

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© 2026 First National Bank of Omaha (FNBO). All Rights Reserved. 1620 Dodge Street, Omaha Nebraska, 68197

FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.

FNBO is an Equal Housing Lender

Only deposit products are FDIC insured.