Home Equity Loans

Use your Home's Equity as Collateral

Borrow up to 80% of the equity in your home, and the interest may be tax deductible (check with your advisor for details). Home equity loan rates are fixed and have a minimum loan amount of $10,000.

  • Fixed-rate based on credit history, LTV ratio, and collateral
  • Borrow up to 80% of the equity in your home (owner-occupied)
  • $10,000 minimum
  • Client pays all fees and costs
  • $150 documentation fee
  • Fees may be financed
  • No prepayment penalty

Your personal banker at FFB can help you through the process of getting your home equity loan or home equity line of credit. It begins with filling out a secure, online application.

Contact Us Today!

  • Oklahoma City Area 405-416-2222
  • Tulsa Area 918-728-6345
  • Phoenix Area 602-912-5555
  • Denver Area 720-782-7222
  • Nationwide 800-299-7047


The APR offered is based on the credit characteristics, term, and Loan-To-Value (LTV). Current appraisal, property insurance required including flood insurance where applicable. A one-time $150 documentation fee applies. Loan amount may not exceed 80% of your home’s value and there is no down payment required. Customers pay all fees and costs. Loan amount must be $10,000 or greater. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $338.60 for a 180-month loan at 6% APR with a $40,000 original balance. All rates and terms are subject to credit approval and could change without notice.

No Limits When It Comes To Using Your Loan

Home improvements are one of the most common reasons people get home equity loans. But you can also pay for college, a big event like a wedding, or take a dream vacation. The choice is yours!

The Differences Between a HELOC and a Home Equity Loan

Details  Interest-Only HELOC Home Equity Loan
  • Ideal for multiple, convenient purchases or expenses over time
  • Remodeling, education, emergency fund, etc.
  • Ideal for one-time expenses
  • Remodeling, debt consolidation, retirement prep, vehicle purchase, etc.
Rate Variable, based on Prime and credit score
Fixed (stays the same over the life of the loan)
Term 7-10 years Up to 10 years
  • $10,000 minimum loan amount
  • $10,000 minimum loan amount
Loan to Value (LTV)
  • Borrow 65% - 80%
  • Borrow up to 80%
  • Must be owner-occupied
  • Residence or second residence
  • Must be owner-occupied
  • Residence or second residence