HELOCs & Home Equity Loans
Access your home's equity for major expenses with competitive rates and flexible borrowing options.
Choose Your Home Equity Solution
Both options let you tap into your home's value - pick the one that fits your needs
HELOC (Line of Credit)
Revolving credit line - borrow what you need, when you need it
- Variable interest rate
- Draw period: 10 years
- Pay interest only during draw period
- Perfect for ongoing projects
- Reusable as you pay down balance
Home Equity Loan
Lump sum payment - get all funds at once with fixed payments
- Fixed interest rate
- Predictable monthly payments
- One-time lump sum disbursement
- Perfect for large one-time expenses
- Loan term: 10-30 years
Popular Uses for Home Equity
Home Improvements
Kitchen remodels, bathroom upgrades, deck additions, or energy-efficient improvements
Debt Consolidation
Combine high-interest credit cards and loans into one lower-rate payment
Investment Opportunities
Fund real estate investments, business ventures, or education expenses
Why Choose a HELOC?
Competitive Rates
Lower rates than credit cards or personal loans
Flexible Access
Borrow only what you need, when you need it
Tax Advantages
Interest may be tax-deductible for home improvements
Revolving Credit
Reuse funds as you pay down the balance
How a HELOC Works
Simple process to access your home's equity
Apply
Complete a simple application with proof of income and home value
Get Approved
Receive your credit limit based on available equity and qualifications
Access Funds
Draw funds as needed via check, transfer, or dedicated credit card
Repay Flexibly
Make interest-only payments during draw period, then pay principal + interest
HELOC Frequently Asked Questions
Everything you need to know about home equity lines of credit
Ready to Access Your Home's Equity?
Our home equity specialists are ready to help you unlock your home's value with competitive rates and flexible terms.