Residential Lending

Home Equity Refinance

By taking advantage of the equity in your home, you'll find the source of cash for any and all of those things you've been dreaming of...a swimming pool, a home addition, a new car, or truck. Plus, you can use your home’s equity for college, a wedding, or taxes!

Home Equity Term Loans

With a Home Equity Installment Loan, the amount you borrow is provided to you in a “lump sum.” Installment loans offer these benefits:

• Interest on your loan may be tax deductible

• Terms are flexible to meet your needs

• Variable and fixed rate options available

• Low, competitive rates

Home Equity Lines of Credit (HELOC)

A Home Equity Line of Credit gives you built-in convenience with a revolving line of credit. You are approved for a specific amount of credit. You can borrow from your line at any time by calling us to transfer funds from your credit line to your checking account, through our online banking, or by writing a HELOC check. Payments are made monthly and are deducted automatically from your account. As you pay off your credit line, that money becomes available to borrow again. HELOCs offer these benefits:

• Interest on your line of credit may be tax deductible

• Terms are flexible to meet your needs

• Convenient access to your funds

• Low, competitive rates