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Home Equity Loans


Open The Doors For Your Possibilities…

Using your hard-earned savings for major expenses doesn’t always make sense- especially with interest rates at all-time lows.  A better solution for most homeowners is a Home Equity Line of Credit or a fixed-rate Home Equity Loan – two smart ways to use the equity in your home to get the cash you need.  Use the money for remodeling projects, home repairs, a major purchase, emergencies or to pay off higher- rate debt.

Home Equity Line of Credit

If you think you’re borrowing needs will vary over time, a Home Equity Line of Credit is a good choice.  It’s flexible and can be customized to fit your budget and lifestyle.  Simply establish your account today and use the funds as you need them.

  • Credit lines up to $200,000
  • Low variable rate based on the Wall Street Journal Prime Rate
  • Fully amortized payments over 15 years
  • Draw period of 15 years
  • Generally, loan to values up to 70%
  • No points or origination fees
  • Tax deductible interest for most homeowners
  • Easy checkbook access to your funds
  • Low minimum monthly payments

Home Equity Special – Move your existing home equity line of credit balance to us and we will pay the fees!

  • Fixed Rate Home Equity Loan
    If you need money for a one-time expense, a fixed rate Home Equity Loan may be your best option.  It’s perfect for home remodeling or repairs, or anytime you need a lump sum of cash.

    • Get up to $200,000
    • Low fixed rate and low monthly payments
    • Flexible repayment terms of 5, 10 or 15 years
    • No pre-payment penalty
    • Tax deductible interest for most homeowners
    • Minimal fees

It’s easy to get started.  There’s no application fee for either the Home Equity Line of Credit or Home Equity Loan. APPLY online.  Still have questions, give us a call at (707) 527-6216.  For loan rates, click RATES here.


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