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Farmers & Merchants Bank
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| Access to fundsIn essence, an F&M Home Equity Line of Credit (HELOC) gives you the ability to pull money out of your house as you need it. Rather than the one-time lump sum of a Home Equity Loan, HELOCs are a revolving credit line based on the equity in your home. As you repay the money you’ve borrowed from the HELOC, it becomes available for your use again. F&M can help you determine how much equity you have by comparing the appraised or market value of your home with the amount you still have to pay on your mortgage. The difference is your equity. Some common uses for HELOC funds: Home improvements High-interest debt reduction Education expenses Big-ticket purchases (i.e. automobiles, vacations) Financing an adoption Paying for a wedding To inquire about this type of loan, complete the Contact Us form and a Consumer Lender will reach out. submit loan inquiry All loans subject to credit approval. submit loan inquiry: https://www.fmbnc.com/connect/contact-us | WithheldFarmers & Merchants Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |