Home Equity Lines of Credit

Tap into Your Home's Value with Flexibility.
A Home Equity Line of Credit (HELOC) gives you revolving access to the equity you've built in your home — kind of like a credit card, but secured by your property. It’s a flexible, affordable option for homeowners who want to borrow what they need, when they need it, often at lower rates than traditional credit. Whether you're tackling home projects, funding education, or preparing for the unexpected, a HELOC can help.

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What Can a HELOC Be Used For?

Home Improvements

Whether it’s a kitchen upgrade or a new roof, a HELOC gives you access to funds as you go — perfect for projects with changing timelines or budgets. Only borrow what you need, when you need it.

Major Life Expenses

College tuition, weddings, medical bills — a HELOC can help manage large, planned expenses without resorting to high-interest credit cards or personal loans.

Debt Consolidation

If you're carrying balances on high-interest credit cards or loans, using a HELOC to consolidate can lower your interest and simplify monthly payments.

Emergency Fund Access

You don’t need to use it right away. A HELOC can be a smart safety net — giving you peace of mind with access to funds in case of emergency.

Not Sure How a HELOC Works? Here’s the Breakdown.

If you're new to HELOCs, you're not alone. While they offer a lot of flexibility, they also work a bit differently than a traditional loan. This quick breakdown covers the basics — from how the funds are accessed to how repayment is structured — so you can feel more confident deciding if a HELOC is right for you.

How does a HELOC differ from a loan?

A HELOC is a line of credit you can draw from as needed, while a loan provides a lump sum upfront. HELOCs are ideal when you don’t know the full cost of what you’ll need yet.