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Ever daydreamed about receiving a windfall of money from some unexpected source? That dream may not be too far from reality if you own your own home. A home equity loan taps into the equity you've built with timely mortgage payments to provide you with flexible financing.

Reach out to us to see how you can start making your home's equity work for you. We're located right here in Central Illinois and will be happy to help.

  • Use your home's equity as collateral backing
  • Finance a wide range for short-term or one-time needs
  • Competitive rates
  • The interest paid might be tax deductible*
  • Local processing and decision-making in Central Illinois
  • Detailed, friendly service

See below to access our mortgage loan application documents. You will find the instructions needed to complete the forms. Please start with the Borrower Application. If you have an additional borrower with whom you have combined finances (i.e spouse) use the Additional Borrower form for their information. If you have a co-borrower that you DO NOT have combined finances with, please use (2) or more Borrower forms to capture the information. 

If you need additional space to answer any of the application questions, download the Continuation Sheet. And if you are unmarried, please fill out the Unmarried Addendum. One of our lenders will be in touch soon, should you have any questions.

Download Application Instructions here.

Download Borrower Application here.

Download Additional Borrower Application here.

Download Continuation Sheet here

Download Unmarried Addendum here.


Please mail or drop off your completed application the First National Bank and Trust main office. Email is not considered a secure transmission of personal data, please do not share personal, financial or proprietary information via email.

*Consult a tax advisor.

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