Get a HELOC Rate as low as 6.75%*

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Home Equity Rates Today

Farmers Program Information

Owner Occupied
- Up to 100% CLTV financing available
- Up to 350k loan/line amount w/AVM (max CLTV 95%)
- Up to 250k loan/line amount w/AVM (max CLTV 100%)
- Programs available – HELOCs and HE Loans up to 30 years
- Loan/Line amounts greater than 350k require full apprasial
- Up to $1MM loan/line amounts – state and property restrictions apply
- Can provide options on credit scores as low as 640 w/restrictions
Second Home
- CLTV as high as 85% (state and credit restrictions may apply)
- 75% draw required on HELOCs
- Up to 30 yr terms on fixed and HELOCs
- Loan amount up to $1MM – state restrictions will appply
Investment Properties
- CLTV as high as 80%
- 75% draw required on HELOCs
- Up to 30 yr term on fixed & HELOC
- Loan amount up to $1MM – state and CLTV restrictions will apply
Closing Costs
- Origination Fees: $795
- Closing Costs: There are other costs you will incur, not associated with the lender fees. These costs are paid to third parties involved and are standard in all mortgage transactions, such as title/attorney costs, appraisal, and taxes.

Your home equity could be the key to everything on your to-do list

Home renovations

Use funds for kitchen upgrades, home offices, and beyond.

Debt consolidation

Turn high-interest debts into one monthly payment at a lower rate.

Emergency funds

Set aside a line of credit for unforseen expenses.

HELOC vs Home Equity Loan:
What’s the Difference?

HELOC

Revolving credit line
Variable rates
Flexible usage

Home Equity Loan

Lump sum
Fixed rates
Best for one-time expenses

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Discover potential loan rates and payments.

Access my equity

Get started on your HELOC in under 5 minutes.

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Get answers to all of your questions and more.

*Rates and terms are subject to change without notice. All offers of credit are subject to credit approval requirements and applicants may be offered credit at higher rates and other terms. Loan-to-Value (LTV) and/or Combined LTV (CLTV) restrictions apply. The 6.75% interest rate stated above assumes opening and maintaining a Famers Bank of Kansas City deposit account; the extension of credit is not conditioned on opening a deposit account. This rate is variable. A 6.75% interest rate would be a 6.750% Annual Percentage Rate, which includes finance charges of up to $1,295. Finance charges and costs to open the line of credit may vary, primarily due to geographic location of the collateral property.