Unlock Your Home's
Potential with a HELOC.

0% APR for 12 months, 4.99% 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
with No Origination Fees:

0 % APR

for 12 months.

4.99 % APR

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 913-266-7000

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

Overland Park, KS, Blue Valley Parkway Branch

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.

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Frequently Asked Questions

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 thereafter*. 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.

Benefits:

  • 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 with 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

* 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 Kansas and Missouri 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 January 1, 2025. 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.

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

FNBO is an Equal Housing Lender

Only deposit products are FDIC insured.