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    • Home Equity

      Take advantage of the equity in your home. Whether it’s completing your college education, renovating your home or consolidating debt, we can help you accomplish your financial goal.

      Depending on your specific need, we have two options available to you – a Home Equity Line of Credit (HELOC) or a Home Equity Loan. It’s important that you understand how both options work before choosing your solution.


    • A home equity line of credit (HELOC) is an open line, available for you to use at any time, present or future. The many benefits of a HELOC include:

      • The option to receive cash up front, with the flexibility to use your line of credit at any time during the draw period for any expense
      • Flexible payment options
      • Interest paid may be tax deductible*
      • The interest rate is lower than credit cards

      A home equity loan, also known as a closed-end second mortgage, is a solution to access cash for a one-time specific need and specific loan amount, e.g., remodeling your kitchen and paying off the loan in a five-year period. The many benefits of a home equity loan include:

      • Can provide cash for a one-time need
      • Fixed monthly payments
      • Interest paid may be tax deductible*
      • The interest rate is lower than credit cards