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The Lowdown on Home Equity Lines of Credit...

Competitive Rates & Flexible Access to Your Equity

A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by your home’s equity. Similar to a credit card, you can borrow what you need, when you need it, up to your approved credit limit. You only pay interest on the amount you actually use, giving you flexibility and control over your borrowing.

HELOCs typically have two phases: a draw period (usually 10 years) when you can access funds and make interest-only payments, followed by a repayment period (usually 20 years) when the line closes and you repay both principal and interest.

We’re here to make the HELOC process easier, with tools and expertise to guide you along the way, starting with our no-cost HELOC Qualifier.

Key Benefits:

Borrow only what you need, when you need it
Revolving credit that replenishes as you pay down your balance
Interest-only payment options during draw period
Potential tax benefits when used for home improvements (consult your tax advisor)

Learn About HELOC Options

The HELOC Process

Here’s how our HELOC process works:

1- Apply and get approved for a credit limit based on your available equity

2- Access funds during the draw period using checks, cards, or transfers

3- Make monthly payments on the amount you’ve borrowed

4- During repayment period, pay both principal and interest to retire the balance

Do I Qualify?

To qualify for a HELOC, most lenders evaluate your home equity (typically you’ll need at least 15-20% equity remaining after the credit line is established), credit score (generally 620 or higher), debt-to-income ratio, stable income verification, current property value, and occupancy status. Most HELOC programs allow you to borrow up to 85% of your home’s value minus your existing mortgage balance, subject to credit approval.

Not sure if you qualify? Our loan officers can review your home equity position and financial profile to help you understand how much credit you may be able to access and which HELOC options may be available to you.

All loans subject to credit approval. Rates, program terms, and conditions are subject to change without notice. Variable rate products have rates that adjust periodically based on market conditions. Not all products are available in all states or for all loan amounts. Property appraisal required. Loan-to-value limits apply. Consult a tax advisor regarding the deductibility of interest. Other restrictions and limitations may apply. This is not a commitment to lend.

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Your HELOC Could Be Fully Funded 12 Days From Now

Revolving Credit Line

Borrow, repay, and borrow again during your draw period
Interest-Only Options

Lower initial payments during the draw period
Flexible Draw Period

Access funds when you need them for up to 10 years
Competitive Variable Rates

Rates that adjust based on market conditions
Multiple Access Methods

Use checks, debit cards, or online transfers to access funds
No Usage Restrictions

Use funds for any purpose without lender approval