Community bankers are often asked if eventually there will only be big banks left. It seems like we all used to be customers of a friendly community bank and ended up banking with one of the big boys because of an acquisition. Well, the reason that there will always be community banks in our country is the lending process. There will always be a need for a local banker who knows your neighborhood, your building or your character. Your life and your ability to take on debt is more than the numbers and First Bank of the Palm Beaches and other banks like ours are best suited to understand local clients.
We understand to serve our customers and our community. If you need home loan we would be thrilled to be your lender. Call First Bank if you are interested in purchasing a home, refinancing your existing home or buying a second home. We will get you the financing you need when you need it.
Home Equity Lines of Credit
First Bank maintains a competitive home equity lending program. HELOC’s became a popular product during the recent boom years when borrowers used the equity in their homes to purchase investment properties, cars, boats, etc… First Bank believes in the HELOC product and knows it is still popular. We will just advise our customers to use borrowed funds for their intended purpose, to improve your home or your quality of life in a way that is affordable and sound. At First Bank, you don’t just get our loans; you get the wisdom of our experience.
First Bank can offer auto loans on new or used cars for up to 60 months. If you have a need for auto financing, give us a call so we can assist you.
There has always been the need for a local individual to walk into their bank and request a small loan to: pay for a wedding, get a child through the last year of college, or help a family member. Having a bank that can understand your character and your capacity to repay the loan can make all the difference in accomplishing your personal and family goals. First Bank is happy to make reasonable personal loans to assist you with those goals and to make a real difference in your life.
The Decision Making Process
Again, the difference between First Bank and the big banks is our ability to understand your individual circumstances. Our bankers are all in the same community and there is no decision maker in Philadelphia, Charlotte or San Francisco that will get in the way. If you want to know where we are in the decision making process or why we made a particular decision, walk into our bank and speak with our Chief Lending Officer or CEO directly. We will take the time to make sure that you know everything that we know.