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Home Equity Loans

 

Home Equity Loan v. HELOC: Which Is Right For You?

Home Equity Loan (Second Mortgage)

  • Fixed-rate loan with a lump-sum payout
  • Predictable monthly payments
  • Best choice if you know exactly how much you need and want payment stability
  • Ideal for large, one-time expenses like:
    • Major home renovations
    • Consolidating high-interest debts (credit cards, personal loans)
    • Big life expenses (medical bills, tuition)

Home Equity Line-of-Credit (HELOC) 3

  • Flexible, variable-rate revolving line of credit
  • Access funds with a HELOC debit card
  • Borrow what you need, when you need it (up to your limit)
  • Only pay interest on what you use
  • Great for ongoing or uncertain costs like:
    • Ongoing remodeling projects
    • College tuition that varies by quarter/semester
    • Medical or variable expenses

Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers
Real Estate Loan Officers

Meet Your Loan Officer

Thinking about using your home’s equity for renovations, debt consolidation, tuition, or unexpected expenses? Our knowledgeable and local Loan Officers are here to help you turn your home’s value into a smart financial solution. We provide one-on-one guidance to help you choose the option that fits your goals and budget.

From application to closing, and every step in between, you’ll have a local expert by your side. We take the time to understand your financial status, provide personalized rate and payment quotes, explain your options clearly, and answer all your questions with transparency and care.

We’re more than Loan Officers. We’re your neighbors, committed to helping you make confident decisions about your home and your future.

Ready to unlock your home’s equity? Connect with a Loan Officer today.

Meet Our Team

Young couple painting walls in their home

What You Need to Apply

Prepare these documents to speed up your application:

  • Two forms of ID (including photo ID)
  • Two-year work history
  • Recent pay stubs and tax returns
  • Bank statements
  • Homeowner's insurance info
  • Current mortgage statement
  • Property legal description
  • Sales contract (if applicable)
  • Other income documentation (if applicable)

Apply for heloc

Disclosures

1 *APR = Annual Percentage Rate. Introductory promotional rate is subject to change and can end at any time without notice. Introductory rate available on new qualifying Home Equity Line of Credit (HELOC) applications with new or active direct deposit account. Introductory rate of 5.990% APR for the first 11 months available without new or active direct deposit account. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. APR is variable. Maximum 18.000% APR. Not a government-affiliated agency. Some restrictions apply. Ask for details. Non-introductory APR is based on the value of an index, which is Prime Rate published in the Wall Street Journal in effect on 10/30/2025.

2 Restrictions apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details.

3 APR = Annual Percentage Rate. Restrictions may apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details.