{"data":{"path":"farmers-and-merchants-bank-of-central-california/home-equity-lines-of-credit-heloc","artwork":null,"name":"Home Equity Lines of Credit (HELOC)","officialName":"Home Equity Lines of Credit (HELOC)","type":"home_equity_line_of_credit","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Farmers & Merchants Bank of Central California","handle":"farmers-and-merchants-bank-of-central-california"},"institution":{"name":"Farmers & Merchants Bank of Central California","handle":"farmers-and-merchants-bank-of-central-california"},"actualIssuerName":null,"standardOffer":{"id":"1231","offerKind":"standard","channel":null,"nameAsFiled":"Home Equity Lines of Credit (HELOC)","handle":null,"terms":{"productId":"2415","path":"farmers-and-merchants-bank-of-central-california/home-equity-lines-of-credit-heloc","name":"Home Equity Lines of Credit (HELOC)","officialName":"Home Equity Lines of Credit (HELOC)","aliases":[],"institutionId":"68867","institutionName":"Farmers & Merchants Bank of Central California","institutionHandle":"farmers-and-merchants-bank-of-central-california","issuerName":null,"productType":"home_equity_line_of_credit","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T00:30:12.018Z","sources":[{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"16a28793a27566ee455f994f6443a9c5","pageNumber":null,"quote":"Home Equity Lines of Credit (HELOC)","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"}],"currencyCode":"USD","minimumAmountCents":null,"minimumAmountNullReason":"not_parsed","maximumAmountCents":null,"maximumAmountNullReason":"not_parsed","minimumTermMonths":null,"minimumTermNullReason":"not_parsed","maximumTermMonths":null,"maximumTermNullReason":"not_parsed","collateralType":null,"collateralTypeNullReason":"not_parsed","maximumLoanToValueBps":null,"maximumLoanToValueNullReason":"not_parsed","drawPeriodMonths":null,"drawPeriodNullReason":"not_parsed","repaymentPeriodMonths":null,"repaymentPeriodNullReason":"not_parsed","prepaymentPenalty":null,"prepaymentPenaltyNullReason":"not_parsed","rateFloorBps":null,"rateFloorNullReason":"not_parsed","rateCapBps":null,"rateCapNullReason":"not_parsed"},"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[{"fieldKey":"loan_access","reason":"unparsed_value","detail":"Home Equity Lines of Credit (HELOC)\nLeverage your home equity to open a line of credit that’s always there when you need it.\n1\nTurn the equity in your home into ongoing, affordable financing\nCompetitive variable rates for several ongoing or seasonal needs:\nMajor life events\nMajor home improvements\nDebt consolidation\nEmergency reserve\nAnd much more\nThe existing equity in your home is used as collateral backing\nAccommodating repayment terms that work uniquely for you\nFunds available anytime during the draw period without reapplying; apply once, then use repeatedly thereafter\nRevolving credit — as principal is repaid, more becomes available for use\nFunds easily available through in-person or phone transfers as well as checks tied to a specified F&M Bank checking account\nThe interest paid might be tax deductible\n2\nSet up automatic payments to be deducted from your account monthly\nQuick, local decision-making and processing\nAttentive, friendly service from start to finish\n1\nThird party fees generally ranging from $150 to $1500 may apply. Maximum LTV ratio is 75%. No co-ops and single or double wide manufactured homes.  Annual fee of $75, which is waived in the first year and waived in future years if you maintain an outstanding average daily balance of at least $20,000. Line has a \n10 year\n interest-only payment draw period and a \n15 year\n repayment period.  During the interest-only period, principal balance is not reduced.  At the end of this period, your monthly payment will increase, possible substantially even if the interest rate stays the same because you will be required to pay down the outstanding \nprinciple\n balance.  Always consider paying more than the minimum payment to pay down the principal.  Property insurance is required.  This information is accurate as of 4/1/2021 and is subject to change without notice.  Ask us for the current index and margin.\n2\nConsult a tax advisor.","sources":[{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"16a28793a27566ee455f994f6443a9c5","pageNumber":null,"quote":"Home Equity Lines of Credit (HELOC)","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"c29aac8f3e4782bd721e938b8b0d2726","pageNumber":null,"quote":"Leverage your home equity to open a line of credit that’s always there when you need it.","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"c3ca1f86de891ec479827628d69d82d0","pageNumber":null,"quote":"1","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"707caf4c16ce4f173bf1e7c925a2e390","pageNumber":null,"quote":"Turn the equity in your home into ongoing, affordable financing","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"37026ec61d00a28c8361ba9bbcc367d9","pageNumber":null,"quote":"Competitive variable rates for several ongoing or seasonal needs:","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"00dfe3290fb2546058731faa7f290679","pageNumber":null,"quote":"Major life events","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"dacaf3328d884fc4156ee0dc2af3ed16","pageNumber":null,"quote":"Major home improvements","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"f15cf59cae4f0c91cb7bfb57e589ea2f","pageNumber":null,"quote":"Debt consolidation","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"aa22aa94fb608f74eb72b0a201cbbd37","pageNumber":null,"quote":"Emergency reserve","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"b9547af7d17db12510aa0ef8b71c2f45","pageNumber":null,"quote":"And much more","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"032c6c9b14f2a8ba2c1e2db91d55c6d3","pageNumber":null,"quote":"The existing equity in your home is used as collateral backing","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"681b10eee3d86d14a44065eb04e6a30f","pageNumber":null,"quote":"Accommodating repayment terms that work uniquely for you","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"a2cf0c4043fb1df7a7431027d61846c9","pageNumber":null,"quote":"Funds available anytime during the draw period without reapplying; apply once, then use repeatedly thereafter","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"1855ae0a7544fa376a012b50b225f969","pageNumber":null,"quote":"Revolving credit — as principal is repaid, more becomes available for use","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"4dfa2f48d42f24764daa37e2285c58cc","pageNumber":null,"quote":"Funds easily available through in-person or phone transfers as well as checks tied to a specified F&M Bank checking account","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"9254713496ece4c1c368ce61dd1402b7","pageNumber":null,"quote":"The interest paid might be tax deductible","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"3f93b1f74eac786d446467db89d908f8","pageNumber":null,"quote":"2","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"309eb7f84175114d05ee0dbaada0bd45","pageNumber":null,"quote":"Set up automatic payments to be deducted from your account monthly","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"428fa46901b50d6f8492b170d1801c77","pageNumber":null,"quote":"Quick, local decision-making and processing","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"ce2ac9c47d3ceba6b3025cf8073661f1","pageNumber":null,"quote":"Attentive, friendly service from start to finish","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"a00e6a9c5ef35ec9af335f96e03332fc","pageNumber":null,"quote":"1","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"849411f7e173d8857bee106df2a6f226","pageNumber":null,"quote":"Third party fees generally ranging from $150 to $1500 may apply. Maximum LTV ratio is 75%. No co-ops and single or double wide manufactured homes.  Annual fee of $75, which is waived in the first year and waived in future years if you maintain an outstanding average daily balance of at least $20,000. Line has a","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"44a903d1ffe6165e21cda99c3291e6ba","pageNumber":null,"quote":"10 year","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"851ef80e9a186c4c3d601affa0d04226","pageNumber":null,"quote":"interest-only payment draw period and a","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"831a0320cd75f58e0496347fd7858954","pageNumber":null,"quote":"15 year","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"ab28c4d768a4e5a2210e9d3d552f41b2","pageNumber":null,"quote":"repayment period.  During the interest-only period, principal balance is not reduced.  At the end of this period, your monthly payment will increase, possible substantially even if the interest rate stays the same because you will be required to pay down the outstanding","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"e90e741129b2e339f39c595a089a66ab","pageNumber":null,"quote":"principle","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"d6e079ec9cdc744dbaedc2948283a5d3","pageNumber":null,"quote":"balance.  Always consider paying more than the minimum payment to pay down the principal.  Property insurance is required.  This information is accurate as of 4/1/2021 and is subject to change without notice.  Ask us for the current index and margin.","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"b094264d40616b255704319166455bf5","pageNumber":null,"quote":"2","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"0e7ce7dc2af296baf0dff7e2a593e040","pageNumber":null,"quote":"Consult a tax advisor.","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"}]}]},"offers":[{"id":"1231","offerKind":"standard","channel":null,"nameAsFiled":"Home Equity Lines of Credit (HELOC)","handle":null,"terms":{"productId":"2415","path":"farmers-and-merchants-bank-of-central-california/home-equity-lines-of-credit-heloc","name":"Home Equity Lines of Credit (HELOC)","officialName":"Home Equity Lines of Credit (HELOC)","aliases":[],"institutionId":"68867","institutionName":"Farmers & Merchants Bank of Central California","institutionHandle":"farmers-and-merchants-bank-of-central-california","issuerName":null,"productType":"home_equity_line_of_credit","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T00:30:12.018Z","sources":[{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"16a28793a27566ee455f994f6443a9c5","pageNumber":null,"quote":"Home Equity Lines of Credit (HELOC)","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"}],"currencyCode":"USD","minimumAmountCents":null,"minimumAmountNullReason":"not_parsed","maximumAmountCents":null,"maximumAmountNullReason":"not_parsed","minimumTermMonths":null,"minimumTermNullReason":"not_parsed","maximumTermMonths":null,"maximumTermNullReason":"not_parsed","collateralType":null,"collateralTypeNullReason":"not_parsed","maximumLoanToValueBps":null,"maximumLoanToValueNullReason":"not_parsed","drawPeriodMonths":null,"drawPeriodNullReason":"not_parsed","repaymentPeriodMonths":null,"repaymentPeriodNullReason":"not_parsed","prepaymentPenalty":null,"prepaymentPenaltyNullReason":"not_parsed","rateFloorBps":null,"rateFloorNullReason":"not_parsed","rateCapBps":null,"rateCapNullReason":"not_parsed"},"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[{"fieldKey":"loan_access","reason":"unparsed_value","detail":"Home Equity Lines of Credit (HELOC)\nLeverage your home equity to open a line of credit that’s always there when you need it.\n1\nTurn the equity in your home into ongoing, affordable financing\nCompetitive variable rates for several ongoing or seasonal needs:\nMajor life events\nMajor home improvements\nDebt consolidation\nEmergency reserve\nAnd much more\nThe existing equity in your home is used as collateral backing\nAccommodating repayment terms that work uniquely for you\nFunds available anytime during the draw period without reapplying; apply once, then use repeatedly thereafter\nRevolving credit — as principal is repaid, more becomes available for use\nFunds easily available through in-person or phone transfers as well as checks tied to a specified F&M Bank checking account\nThe interest paid might be tax deductible\n2\nSet up automatic payments to be deducted from your account monthly\nQuick, local decision-making and processing\nAttentive, friendly service from start to finish\n1\nThird party fees generally ranging from $150 to $1500 may apply. Maximum LTV ratio is 75%. No co-ops and single or double wide manufactured homes.  Annual fee of $75, which is waived in the first year and waived in future years if you maintain an outstanding average daily balance of at least $20,000. Line has a \n10 year\n interest-only payment draw period and a \n15 year\n repayment period.  During the interest-only period, principal balance is not reduced.  At the end of this period, your monthly payment will increase, possible substantially even if the interest rate stays the same because you will be required to pay down the outstanding \nprinciple\n balance.  Always consider paying more than the minimum payment to pay down the principal.  Property insurance is required.  This information is accurate as of 4/1/2021 and is subject to change without notice.  Ask us for the current index and margin.\n2\nConsult a tax advisor.","sources":[{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"16a28793a27566ee455f994f6443a9c5","pageNumber":null,"quote":"Home Equity Lines of Credit (HELOC)","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"c29aac8f3e4782bd721e938b8b0d2726","pageNumber":null,"quote":"Leverage your home equity to open a line of credit that’s always there when you need it.","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"c3ca1f86de891ec479827628d69d82d0","pageNumber":null,"quote":"1","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"707caf4c16ce4f173bf1e7c925a2e390","pageNumber":null,"quote":"Turn the equity in your home into ongoing, affordable financing","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"37026ec61d00a28c8361ba9bbcc367d9","pageNumber":null,"quote":"Competitive variable rates for several ongoing or seasonal needs:","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"00dfe3290fb2546058731faa7f290679","pageNumber":null,"quote":"Major life events","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"dacaf3328d884fc4156ee0dc2af3ed16","pageNumber":null,"quote":"Major home improvements","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"f15cf59cae4f0c91cb7bfb57e589ea2f","pageNumber":null,"quote":"Debt consolidation","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"aa22aa94fb608f74eb72b0a201cbbd37","pageNumber":null,"quote":"Emergency reserve","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"b9547af7d17db12510aa0ef8b71c2f45","pageNumber":null,"quote":"And much more","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"032c6c9b14f2a8ba2c1e2db91d55c6d3","pageNumber":null,"quote":"The existing equity in your home is used as collateral backing","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"681b10eee3d86d14a44065eb04e6a30f","pageNumber":null,"quote":"Accommodating repayment terms that work uniquely for you","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"a2cf0c4043fb1df7a7431027d61846c9","pageNumber":null,"quote":"Funds available anytime during the draw period without reapplying; apply once, then use repeatedly thereafter","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"1855ae0a7544fa376a012b50b225f969","pageNumber":null,"quote":"Revolving credit — as principal is repaid, more becomes available for use","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"4dfa2f48d42f24764daa37e2285c58cc","pageNumber":null,"quote":"Funds easily available through in-person or phone transfers as well as checks tied to a specified F&M Bank checking account","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"9254713496ece4c1c368ce61dd1402b7","pageNumber":null,"quote":"The interest paid might be tax deductible","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"3f93b1f74eac786d446467db89d908f8","pageNumber":null,"quote":"2","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"309eb7f84175114d05ee0dbaada0bd45","pageNumber":null,"quote":"Set up automatic payments to be deducted from your account monthly","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"428fa46901b50d6f8492b170d1801c77","pageNumber":null,"quote":"Quick, local decision-making and processing","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"ce2ac9c47d3ceba6b3025cf8073661f1","pageNumber":null,"quote":"Attentive, friendly service from start to finish","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"a00e6a9c5ef35ec9af335f96e03332fc","pageNumber":null,"quote":"1","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"849411f7e173d8857bee106df2a6f226","pageNumber":null,"quote":"Third party fees generally ranging from $150 to $1500 may apply. Maximum LTV ratio is 75%. No co-ops and single or double wide manufactured homes.  Annual fee of $75, which is waived in the first year and waived in future years if you maintain an outstanding average daily balance of at least $20,000. Line has a","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"44a903d1ffe6165e21cda99c3291e6ba","pageNumber":null,"quote":"10 year","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"851ef80e9a186c4c3d601affa0d04226","pageNumber":null,"quote":"interest-only payment draw period and a","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"831a0320cd75f58e0496347fd7858954","pageNumber":null,"quote":"15 year","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"ab28c4d768a4e5a2210e9d3d552f41b2","pageNumber":null,"quote":"repayment period.  During the interest-only period, principal balance is not reduced.  At the end of this period, your monthly payment will increase, possible substantially even if the interest rate stays the same because you will be required to pay down the outstanding","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"e90e741129b2e339f39c595a089a66ab","pageNumber":null,"quote":"principle","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"d6e079ec9cdc744dbaedc2948283a5d3","pageNumber":null,"quote":"balance.  Always consider paying more than the minimum payment to pay down the principal.  Property insurance is required.  This information is accurate as of 4/1/2021 and is subject to change without notice.  Ask us for the current index and margin.","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"b094264d40616b255704319166455bf5","pageNumber":null,"quote":"2","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"35910","sourceKind":"official_issuer","publisherName":"Farmers & Merchants Bank of Central California","capturedAt":"2026-10-04T00:30:12.018Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.fmbonline.com/loans/personal-loans/home-equity-lines-of-credit-heloc.html","passageId":"0e7ce7dc2af296baf0dff7e2a593e040","pageNumber":null,"quote":"Consult a tax advisor.","recordId":"official-issuer:page:url:f43f9f6c75dcf2fd0f3f03b06c24f54553f6e53d4804d50030fdbe46993f3051","recordFields":[],"fieldKey":"loan_access"}]}]}],"documents":[]}}