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Home Equity Line of Credit

Use the equity in your home as a smarter way to borrow.

Our Home Equity Line of Credit is a check-driven, open-ended line of credit that allows you to draw only the amount you need, whenever you need it, and whatever you need it for.

  • Interest only payments for the first 10 years
  • Interest rates adjust monthly and are based on the Wall Street Journal Prime Rate index, plus a margin
  • Qualifying properties include owner and non-owner occupied 1-4 family homes
  • Interest may be tax deductible1 (consult your tax advisor)
  • Option to convert all or a portion of the balance to a fixed monthly payment
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HELOC Carve-Out

Convert a portion of your new or existing Home Equity Line of Credit to a fixed-rate loan!

Our HELOC Carve-Out option allows you to convert a portion of your outstanding HELOC balance to a fixed-rate loan. This can help carve out room in your budget by giving you predictable monthly payments and no worries about fluctuating interest rates!

  • $10,000 minimum carve-out loan amount
  • $500 Lock-in fee
  • Maximum carve-out term is the remaining years of the initial interest-only draw period, up to a maximum of 10 years
  • No more than three fixed-rate carve-outs at any one time

As you repay the fixed-rate loan, your available HELOC balance is once again available to borrow.

Home Equity Loan

A fixed rate home equity loan provides the money you need right now with a budget-friendly regular monthly payment amount.

  • Fixed interest rate
  • 15 year term
  • Flat fee closing costs
  • Total loan disbursed after closing


Accounts are Subject to Approval.
1Consult a tax advisor regarding the deductibility of interest.

Contact A Lender

Our Mortgage Lenders are here to help you every step of the way.

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Buying a home can be a complicated process, but with local support and local decision-making, we can get you into your dream home quickly.

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Get the benefits of more lending power, competitive rates, and local decisions.

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