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For the past 20 years, Louise and Galen Giesbrecht have called their Buhl home their own. Over those two decades, they have built more than just a house—they have built a life, a business, and a future for their family. Along the way, a Home Equity Line of Credit (HELOC) from First Federal has been a valuable tool that has helped them navigate homeownership, unexpected expenses, and new opportunities.

When the Giesbrechts purchased their home, they worked with First Federal to create a plan that allowed them to keep a portion of their savings while still securing their home. Rather than putting all of their available funds toward a down payment, they utilized a home equity line of credit as part of their financing strategy.

“We started it right when we bought the place,” Louise said. “She told us, ‘Why empty out your savings completely?’ It made sense for us, and we’ve continued using it ever since.”

Over the years, the couple has relied on their HELOC for a variety of projects and needs. From replacing a well pump and making garage repairs to updating the siding on their home, the line of credit has given them the flexibility to make improvements when they were needed most.

“It’s nice to know that it’s available there if we need it,” Louise said. “If something comes up, we can use it until we figure out another way of paying for it.”

The Giesbrechts have also used the funds to support their family’s goals, including helping manage expenses while growing their business, Canyon River Window Cleaning. Having access to a HELOC has provided peace of mind and the ability to make decisions confidently when opportunities arise.

“What’s nice is that it’s handy instantly,” Galen said. “We don’t need to come in and make a little loan every time. It’s there, and you can use it whenever you need it.”

Looking back on two decades of homeownership and banking with First Federal, the Giesbrechts are grateful for the relationships they have built along the way.

“We have been very, very happy with First Federal,” Louise said. “Everything is very personable. We have not had any bad experiences. I would advise anybody looking for a bank to come to First Federal.”

For Louise and Galen, their home equity line of credit has been more than a financial product it has been a trusted resource that has helped them invest in their home, support their goals, and prepare for whatever comes next. If you are interested stop by a branch today!