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General Questions: Call +1 410-835-8906

General Questions: Call +1 410-835-8906

Home Equity Lines of Credit (HELOC)

For many Farmers Bank of Willards customers, their home is one of their most valuable assets. Our home equity lines allow you to tap into the equity you have built in your property. These credit lines are unique in that you can re-advance funds at any time up to the line’s original amount.

Why Choose FBW for a HELOC

  • No Application Fee
  • Variable rates that reflect the market
  • Flexible repayment terms built around your budget
  • Re-advance funds anytime, up to your original credit line with no reapplication
  • Local underwriting and servicing. 
Your line is reviewed and managed by people who know the Eastern Shore!

Popular Ways Homeowners Use a HELOC

  • Home renovations and improvements
  • Consolidating higher-interest debt
  • Covering education expenses
  • Managing unexpected costs
  • Funding a second property or investment opportunity
  • Accessible source of funds for peace of mind
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What You’ll Need to Apply

  • Completed application
  • 3 months of recent paystubs
  • Two years of personal tax returns
  • Two years of business tax returns, if self-employed
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Contact Us to Apply

Visit us in person at one of our FBW branch offices
or fill out the form below.
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