Lending

HOME EQUITY PROGRAMS

It’s like money in the bank! The perfect way to make your dream come true! Whether it’s a vacation, a new car, home improvements, school tuition, debt consolidation or any other need, one of our home equity loan products may be the perfect answer. Our home equity loans may offer you a potential tax-deductible way to put the equity in your home to work for you; always consult your tax adviser for possible tax benefits to which you may be entitled.

Equity loans feature prompt approvals and quick closings! Ask one of our loan representatives for more information.

Home Equity Loans (Fixed)

• Low fixed rates
• Various terms available
• No application fee
• Appraisal may be required
• Additional fee if title is held in any Trust or Life Estate
• Finance up to 80% of the appraised value
• Available on owner-occupied 1 to 4 family dwellings

Home Equity Line Of Credit

A Home Equity Line of Credit (HELOC) will allow you quick access to your money and a plan to pay it back over a period of time that makes repayment comfortable for you.

• Variable rate
• 5-year draw period with a 10-year repayment period
• No application fee
• Appraisal may be required
• Additional fee if title is held in any Trust or Life Estate
• Finance up to 80% of appraised value
• Available on owner-occupied 1 to 4 family dwellings

Other rates and terms may be available for 1-4 family non-owner-occupied properties.