For more information contact:

David Giangiorgi
Senior Vice President
Consumer Lending
NMLS #580133

First Bank of Highland Park
NMLS #421795

Lending Solutions

You’ve worked hard to build equity in your home and your home is one of your most valuable financing tools. Using the equity you've built in your home is a smart, affordable way to borrow money for virtually any purpose –  home improvements, vehicle purchases, debt consolidation, paying for education expenses, or even financing your family vacation.

Let one of our experienced Loan Officers help you compare the benefits and choose the lending solution that is best for your needs and budget.


A smart way to cover unanticipated or short term expenses at a low variable interest rate. A HELOC also gives you the convenience of borrowing and repaying repeatedly over the life of the loan without reapplying.

Home Equity Lines of Credit (HELOC)

PLAN 1  $1 - $99,999.99 Up to 70%LTV  4.50% APR*   6.00% APR*
PLAN 2  $1 - $99,999.99  71% to 80%LTV 4.50% APR*    6.50% APR*
PLAN 3 $100M - $500M  Up to 70%LTV 4.50% APR*   5.50% APR*
PLAN 4  $100M - $500M   71% to 80%LTV 4.50% APR*   6.00% APR*

*New lines of credit only.  Completed applications must be received by 6/30/2019 to be eligible for this offer. Offer applies to lines secured by owner occupied, one-to-four family residences in Illinois.  The total term of the Home Equity Line of Credit (HELOC) is 120 months.  For the first 6 months from the date of the loan there is an introductory Annual Percentage Rate (APR) which is not based on an index and margin used for later adjustments, it is variable and based on the amount of the line and LTV as shown above.  After the 6 month introductory period the APR is variable based on an index of the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”), plus a margin based on the amount of the line.  The APRs are accurate as of 3/7/2019. The maximum APR is 18.00%.  During the draw period, minimum monthly payments of interest only are required.  Making only the minimum monthly interest payments will not reduce the principal that is outstanding on the line.  At maturity, you will then be required to pay the entire balance owing in a single “balloon” payment.  If you made only the minimum payment and took no other credit advances, it would take 10 years to pay off a credit advance of $10,000 at an APR of 6.50%.  During that period you would make 119 monthly payments ranging from $49.86 to $55.21 and one final payment of $10,055.21.  Consult your tax advisor regarding the deductibility of interest.  An early termination fee of the lesser of 2% of the initial credit limit or $500.00 will be charged if account is closed within 36 months of the loan date.  A $75.00 release fee will be assessed when the account is closed anytime during the 10 yr. term.  Property insurance is required.  Flood insurance will be required if collateral is in a special flood hazard area.  There may be third party fees for entities such as appraisers, credit reporting firms and government agencies to open the account, which will generally total between $250.00 and $5,000.00 only if the loan is closed at the title company.  See your loan officer for further details.  Offer subject to change without notice.  Offer expires 6/30/2019.

Home Equity Term Loans

A fixed rate loan perfect for larger purchases, consolidating debt or home improvements.

Auto Loans

Look no further in your search for an auto loan with a flexible term and quick turnaround on lending decisions. First Bank of Highland Park can help you finance new or used vehicles. Qualified borrowers will receive a discounted rate for payments automatically deducted from your First Bank of Highland Park checking or savings account.

Please contact a Personal Banker for a complete disclosure of the terms and conditions and interest rate information if applicable.