Home Equity Line of Credit
Access your home's value for renovations, debt consolidation, or major expenses. Flexible borrowing when you need it.
Benefits of a HELOC
Why homeowners choose a home equity line of credit
Access Your Equity
Tap into the value you've built in your home without selling.
Flexible Borrowing
Draw what you need, when you need it, during your draw period.
Lower Rates
HELOCs typically offer lower rates than credit cards or personal loans.
Potential Tax Benefits
Interest may be tax-deductible when used for home improvements.*
Ways to Use Your HELOC
A HELOC gives you flexibility to fund what matters most
Home Improvements
Renovate your kitchen, add a deck, or upgrade your bathroom.
Debt Consolidation
Pay off high-interest credit cards and simplify payments.
Major Expenses
Cover education costs, medical bills, or other large expenses.
Emergency Fund
Have funds available for unexpected expenses.
How to Get a HELOC
Access your home equity in four simple steps
Step 1
Check Your Equity
See how much equity you have available to borrow against.
Step 2
Apply Online
Complete our simple application and submit your documents.
Step 3
Get Approved
We'll review your application and determine your credit line.
Step 4
Access Funds
Draw from your line of credit whenever you need it.
HELOC vs. Home Equity Loan
HELOC
- Revolving credit line
- Variable interest rate
- Borrow as needed
- Interest-only payments during draw period
- Best for ongoing expenses
Home Equity Loan
- Lump sum disbursement
- Fixed interest rate
- Borrow full amount upfront
- Fixed monthly payments
- Best for one-time expenses
FAQ
HELOC FAQs
Get answers to common questions about home equity lines of credit
*Consult a tax advisor regarding the deductibility of interest.
Ready to access your home equity?
Check how much equity you have available in minutes.