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November 28, 2014  

Loans & Lines of Credit*

Click here for National Mortgage Licensing System Information. The NMLS Resource Center contains information on all registered MLOs and on the registration process at http://mortgage.nationwidelicensingsystem.org or http://www.nmlsconsumeraccess.org.

Residential Mortgage Products

In order to better serve our existing and future clients, FCB now offers a wide array of residential mortgage products with highly competitive rates. Whether you need a traditional fixed rate mortgage, adjustable rate mortgage (ARM), home equity line of credit, construction or lot loan, we are here for ALL of your financing needs!

Visit FCB's mortgage website to request a free consultation, apply for a mortgage, calculate payments and amortizations, and more. All information will be securely submitted to FCB’s Retail Lending Department. 

Home Equity**

FCB customers can use the existing equity in their primary residence to establish a Home Equity Line of Credit or Home Equity Fixed Rate loan. For current rate and term information, please contact Frederick County Bank at 301-620-1400.

FCB Equity One Home Equity Line of Credit 

For homeowners who have existing equity in their primary residence, FCB’s Equity One HELOC is the ideal solution for those who want to complete home improvements, consolidate debt or reduce their mortgage principal balance. FCB offers competitive rates and no closing costs to open a home equity line of credit or refinance an existing mortgage loan. The interest may also be tax-deductible (see your tax advisor). Call 301-620-1400 to discuss your possibilities today!

FCB Equity Too Home Equity Fixed Rate Loan

Would you like to complete home improvements or consolidate debt? Put the equity in your home to work for you with FCB’s Equity Too! A Home Equity Fixed Rate Loan is the ideal solution for homeowners who want a fixed rate and term to consolidate debt, complete home improvements or any other need. We offer competitive rates to open a home equity fixed rate loan and the interest may also be tax-deductible (see your tax advisor for details). Call us at 301-620-1400 or visit one of our conveniently located bank centers to discuss your possibilities today! 

Home Equity Line of Credit

  • Revolving line of credit
  • Pay interest only on the amount borrowed
  • Three easy ways to access the line:
    - Write a check
    - Use FCB’s Online Banking service to transfer funds to your personal FCB checking account
    - Obtain a cash advance at any FCB bank center
  • Variable interest rate
  • No Annual Fee
  • Discounted rate with an automatic payment from your FCB checking or savings account

Home Equity Fixed Rate

  • Borrow amount needed at settlement
  • Interest rate and term of the loan are fixed
  • Discounted rate with an automatic payment from your FCB checking or savings account


Installment

Frederick County Bank offers secured and unsecured simple interest loan products. For current rate and term information, please contact Frederick County Bank at 301-620-1400.

Vehicle Loan

  • Secured by vehicle being purchased or refinanced
  • Interest rate and term of the loan are fixed
  • Discounted rate with an automatic payment from your FCB checking or savings account

Unsecured Loan

  • Requires no collateral
  • Interest rate and term of the loan are fixed
  • Discounted rate with an automatic payment from your FCB checking or savings account


Lines of Credit — tied to Frederick County Bank checking account

Unsecured personal revolving lines of credit are available through FCB's Ready Reserve product selection. The line may be used for automated overdraft protection or a check-activated line of credit.

 

*All Frederick County Bank loan products are subject to underwriting and credit approval. There is no prepayment penalty for consumer loans and lines of credit.

**Frederick County Bank postpones the closing costs provided the credit limit does not exceed $100,000. Customer must reimburse the Bank for closing costs if line is closed within three (3) years of settlement. The customer must also agree to a one-time payment of the recordation tax at settlement.

Note: Frederick County Bank's trade area is primarily Frederick County, Maryland. 

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