Home Equity Line of Credit (HELOC)

Discovering money right under your roof.

Establishing a home equity line of credit allows you instant access to the equity in your home. A line of credit is similar to a credit card in that you establish a credit limit, but only make payments and pay interest on the amount you use, not the full amount. As you repay the balance owed on your line of credit, your borrowing power increases again as you can always access your line of credit up to your maximum credit limit. Having a line of credit available to you can be very beneficial in times when you need to make quick financial decisions or need cash for unforeseen expenses or emergencies that may arise.

Common uses:

  • Home improvements such as a remodel or landscaping
  • Payoff other debts with higher interest rates
  • Pay for your child’s education expenses
  • Unforeseen emergency or medical expenses
  • Buy a car, boat, or other recreational vehicle


  • A flexible line of credit that can be used over and over
  • Easy, instant access to your funds when needed
  • Competitive rates
  • Low closing costs
  • Interest you pay may be tax deductible (consult your tax advisor)

What is equity?

Equity is the value of your home, less any remaining loan or mortgage balance. For example, if your home's value is $150,000 and you owe $100,000 on it, you have $50,000 in equity.


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