What is a Home Equity Line of Credit?

Use the equity of your home with the convenience of writing a check.  Easy access to cash that can be used at your discretion.

What are the Benefits of a Home Equity Line of Credit?

Immediate cash availability for emergencies, home improvements, auto or recreational purchases, debt consolidation, just to name a few.


Contact our Home Equity Specialist, Gary Foltynewicz for further details regarding this product offered by The First National Bank of Ottawa.



Gary Foltynewicz 

Home Equity Specialist

Mortgage Loan Originator

NMLS #688549

Office: 815.434.0044 Ext. 607

Cell: 815.685.1542

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First Ottawa Bancshares, Inc. is the parent company of The First National Bank of Ottawa and its Branches: The First National Bank of Ottawa – Northfield, The First National Bank of Ottawa – Plaza,The First National Bank of Ottawa – South, Morris National Bank & Trust, Streator National Bank, Yorkville National Bank & Trust, and American Commercial Bank & Trust.

First Ottawa Financial Services is a division of The First National Bank of Ottawa

EMAIL NOTICE:  Please be aware that Internet E-mail is not a secure means of transmitting information. Private information such as Account Numbers and Social Security Numbers should not be included in your E-mail.


Main Bank
701 LaSalle St.
Ottawa, IL 61350
Phone: 815.434.0044
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