Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit (HELOC) allows you to borrow against the equity you’ve built in your home, giving you flexible access to funds when you need them. It’s a practical option for homeowners looking for convenience, control, and the ability to borrow as expenses come up; all backed by a credit solution designed to adapt to your plans over time.
Turn Your Home Equity Into What's Next
With a First Western Bank Home Equity Line of Credit (HELOC), you can tap into your home’s equity to fund renovations, consolidate debt, or cover life’s larger expenses on your terms.
Right now, take advantage of our HELOC Special featuring a low introductory rate for the first 12 months*.
Put Your Home Equity to Work With a Limited-Time HELOC Special
That project you’ve been planning. The upgrade your home needs. The flexibility you’ve been wanting. A HELOC can be used for a wide range of needs, including home renovations or repairs, consolidating higher‑interest debt, covering education expenses, handling major purchases, or providing an extra layer of financial flexibility for unexpected costs. Your home has worked hard for you, now let its equity work harder.
Now’s the time to make it happen with a First Western Bank Home Equity Line of Credit (HELOC), featuring a special fixed introductory rate for the first 12 months.
Ready to Get Started?
Apply online or connect directly with a First Western Bank lender to explore your options and see how much equity you may be able to access.
Start your HELOC application today.
*Rate effective as of February 1, 2026; rates subject to change at any time. Annual Percentage Rate (APR) of 6.083% fixed for 12 months. After an introductory period of 12 months, rate may change as often as daily, but will go no higher than 18.250%. Most recent comparable rate at 6.75%. Subject to qualified credit. Not available with First Western refinanced money. Other loan fees, terms, and conditions may apply.
Personal Lending
Janelle Engelsrud
Kendrick Calavera
Justin Grecula
Dawn Winkels
Joni Wunderlich
Heather Solberg
Karrie Bahr
Diana Chase
Steve Fundingsland
How much will my loan payments be?
HELOC Special: A Strong Start, Backed by Local Banking
6.08% APR* Fixed for the first 12 months
This special introductory rate gives you the confidence of predictable payments during your first year so you can focus on getting things done, not watching rates.
12‑Month Fixed Introductory Rate
Enjoy a fixed introductory Annual Percentage Rate (APR) for the first year, giving you predictable payments while you get started.
Flexible Access to Funds
Borrow what you need, when you need it—up to your approved credit limit—and pay interest only on what you use.
Competitive Long‑Term Structure
After the introductory period, your rate adjusts in accordance with your HELOC agreement, with built-in lifetime caps for added peace of mind.
Local Decisions. Personal Service.
Since 1964, First Western Bank has delivered relationship-focused banking, with local lenders who understand your goals and your community.
*Annual Percentage Rate (APR) of 6.083% fixed for 12 months. *Rate effective as of February 1, 2026; rates subject to change at any time. After an introductory period of 12 months, rate may change as often as daily, but will go no higher than 18.250%. Most recent comparable rate at 6.75%. Subject to qualified credit. Not available with First Western refinanced money. Other loan fees, terms, and conditions may apply.
Frequently Asked Questions
For a limited time, this HELOC includes a fixed introductory APR for the first 12 months, giving you predictable payments during your first year of borrowing.
A HELOC is a revolving line of credit that allows you to borrow against the equity in your home. You can draw funds as needed during the draw period and only pay interest on the amount you use, unlike a traditional loan where you receive all funds upfront.
After the first 12 months, your rate may adjust based on market conditions, per your HELOC agreement. Your rate will never exceed the lifetime cap outlined in your disclosure.
Monthly payments are required while you’re using the HELOC. Payment structure may change after the draw period ends, when repayment of the outstanding balance begins.
Yes. A HELOC is secured by your home, which is why it’s important to borrow responsibly and keep current on payments.
Yes. HELOCs include a maximum lifetime interest rate cap, meaning your rate will never exceed a stated limit even if market rates rise.