Farmers and Merchants Bank provide Home Equity Loans and Lines of Credit for a variety of purposes. The bank provides home equity loan to make home improvements, buy a car, take a vacation, or tuition payment, amongst many other possibilities. Customers can use the equity of their homes to provide for their financial needs. This account allows customers to borrow whenever a need arises, up to their available credit line. As payments are made, funds again become available for use. The bank's Home Equity Line Offers: No closing costs (on loans up to 250,000), variable rates set to Wall Street Journal Prime, easy access, and interest-only payments.