Home Equity & Lines of Credit

Home Equity Loan & HELOC (Home Equity Line of Credit) 

Turn the Value You've Built into What's Next

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You’ve invested in your home—now let it work for you.

Whether you’re renovating, consolidating debt, covering education costs, or tackling a major expense, a Home Equity Loan or Home Equity Line of Credit (HELOC) can help make it possible, often at a lower rate than other borrowing options.

Both options are secured by the equity in your home, but how you access the funds depends on what you’re planning.

 

Home Equity Loan vs. HELOC: What’s the Difference?

Home Equity Loan Best when you need a one-time lump sum for a specific project. Receive funds all at once Fixed payment over a set term Predictable monthly payments

HELOC Ideal for ongoing or flexible expenses. Access funds as needed, up to a set limit Borrow only what you use Draw during the initial period, then repay over time

Not sure which fits your plans? We’re happy to walk through your options.

 

Home Equity Line of Credit (HELOC)

• Up to 20-year term
  • (5-year draw period + 15-year repayment period)
• Borrow up to 90% Loan-to-Value (LTV)
• Loan amounts from $10,000 to $100,000
• No minimum balance required
• Free online pre-approval
• Local decisions and personalized service

 

Apply Now   View Rates

 

Home Equity Loan (Second Mortgage)

• Fixed terms from 5 to 15 years
• Borrow up to 80% Loan-to-Value (LTV)
• Free online pre-approval
• Local decisions and personalized service

Apply Now   View Rates