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Home Equity
Borrow Smarter

You’ve worked hard for your home. Now it’s time your home works for you—with flexible lending options and local support you can trust.

Apply Today Apply Today HELOAN or HELOC? HELOAN or HELOC?

Home Equity Loan or Line of Credit?

Choose your account type.

Life Doesn’t Wait Your Equity Shouldn’t Either

Whether it’s a kitchen upgrade, education costs, or peace of mind for the unexpected, your home’s equity can help you move forward—without high credit card rates or refinancing stress. At First Financial, we make it easy to tap into your home’s value with lending solutions that meet you where you are.

What to expect:

  1. Questions tailored to your financial routine

  2. Instant recommendation based on your responses

  3. We'll even email you the results for easy reference

Answer these questions to discover which one is the right fit for you!

Home Equity Loan

Borrow once. Pay back with confidence.

For larger, one-time expenses that need structure and stability. A Home Equity Loan delivers predictable payments and fixed terms, so you can budget with clarity.

  • Fixed interest rate
  • Lump sum disbursement
  • Simple payoff plan

Great for: Renovations, medical expenses, or consolidating debt.

Apply Today Apply Today
Home Equity Line of Credit

Flexible funding, when you need it.

  • Variable interest rate
  • Interest only payments during your draw period
  • Reusable credit over time

Great for: Education costs, phased home projects, or ongoing expenses.

What Can Your Home’s Equity Do for You?

Curious how much you could access—or what your monthly payment might look like? Use our Home Equity Line of Credit calculator to explore your options before taking the next step.

How It Works

Schedule a Call

Talk with a lending expert about your goals.

Select Your Option

We’ll help you decide between a fixed Home Equity Loan or a flexible HELOC.

Access Funds

Get the money you need—on your timeline, with clear terms and consistent support.

Home Equity-How it Works 3- Find a Banking Center

Loans are subject to credit approval.

First Financial will waive closing costs for originations on Home Equity Lines of Credit. Taxes and other fees may still apply in certain jurisdictions. Waiver of closing costs is not available for loans classified as Higher-Priced Mortgage Loans under Regulation Z. There is a maximum closing cost of $299 on First Financial Fixed Rate Home Equity Loans. Closing cost discounts are not available for loans classified as Higher-Priced Mortgage Loans under Regulation Z.

Sample payment example: If you are approved for a $10,000 loan at 10% APR for a term of 60 months, you will pay $212.47 a month, and a total of $12,748.23 over the 60-month life of the loan.

Home Equity Loans and lines of credit are available for primary residences only. Not available for second residences or investment properties.

*Offer is subject to credit review and approval. Additional rates and terms are available.