Welcome To Our New Website!
Welcome To Our New Website!
Your home is likely your biggest asset. FNBA’s fixed-rate home equity loans give South Jersey homeowners a straightforward way to access that value. Whether you are renovating your kitchen, consolidating debt, or covering a major expense, a home equity loan delivers a lump sum with predictable monthly payments and a fixed rate locked in for the life of the loan.
Add value while making your space work better for your family.
Combine high-interest balances into one predictable monthly payment.
Medical bills, tuition, or large purchases that need reliable financing.
Roof, HVAC, plumbing, or structural work that cannot wait.
Loan-to-value, or LTV, is the ratio of your loan amount to the appraised value of your home. FNBA home equity loans are available up to 80% LTV, meaning you can borrow up to 80% of what your home is worth, minus any outstanding mortgage balance.
Example: If your home is appraised at $250,000 and your remaining mortgage balance is $150,000, you may have up to $50,000 in available equity (80% of $250,000 = $200,000, minus $150,000 owed = $50,000). A local FNBA banker can help you calculate your available equity at any branch.
Feature | Detail |
Loan Type | Fixed-rate home equity loan |
Rate Type | Fixed for the life of the loan; no surprises |
Repayment Terms | 60 months (5 years) / 120 months (10 years) / 180 months (15 years) |
Minimum Loan Amount | $5,000 |
Maximum LTV | Up to 80% of appraised value |
Lien Position | First and second position liens accepted |
Property Type | Owner-occupied homes |
Disbursement | Lump sum at closing |
Approval | Local decision made in South Jersey; no out-of-state underwriting |
Application | Visit any FNBA branch in South Jersey |
NMLS | NMLS #415794 |
Equal Housing Lender | FNBA is an Equal Housing Lender |
Rate applies to owner-occupied home loans at 80% of appraised/sale price. Minimum loan $5,000. First and second position liens only. NMLS #415794. Equal Housing Lender.
Need flexibility rather than a lump sum? A HELOC gives you a revolving credit line secured by your home’s equity. Draw what you need, when you need it, and pay interest only on what you use.
Whether you are purchasing a new home or refinancing your current one, FNBA offers fixed-rate mortgages with local underwriting and fast decisions. Terms up to 30 years available.
Renovating for a growing family? The FNBA Growing Family Hub brings together all the accounts, loans, and savings tools that South Jersey families need in one place.
FNBA home equity loans are available up to 80% of your home’s appraised value with a minimum loan amount of $5,000. The exact amount you can borrow depends on your home’s current appraised value and your outstanding mortgage balance. Visit a South Jersey branch, and a banker will help you calculate your available equity.
LTV stands for loan-to-value. It is the ratio of your loan amount to the appraised value of your home. FNBA requires an LTV of 80% or less, meaning your combined mortgage and home equity loan cannot exceed 80% of what your home is worth. A higher equity stake generally means more borrowing flexibility.
Because every FNBA loan decision is made locally in South Jersey, we move quickly. Your loan officer will give you a clear timeline at your appointment. Visit any FNBA branch or call 609-641-6300 to get started.
FNBA home equity loans carry a fixed interest rate for the full term of the loan. For a variable-rate option, ask a banker about our Home Equity Line of Credit.
Visit any FNBA branch in South Jersey, and a loan officer will walk you through the application. Bring a valid ID, proof of income, and any information about your current mortgage.
Visit any FNBA branch in South Jersey, and a local loan officer will walk you through your options, calculate your available equity, and help you apply. All decisions made right here in South Jersey.
Fill out the form, and a member of our team will reach out soon.
