Subject to credit approval, documentation, collateral, and other requirements. Your APR will be based on several factors, including your credit history, credit score, loan-to-value ratio, property type, loan amount, and lien status.  

Fees: First State Community Bank pays fees for lines of $50,000 or less. Consult your tax advisor about the deductibility of interest and other costs.

Collateral: You must provide an enforceable first or second-lien security interest in your primary or secondary residence. The ratio of the new loan plus all other debt secured by your residence compared to the fair market value of your residence must not exceed 80%. Up to 85% available if first lien security interest is with First State Community Bank.