HELOC & HOME EQUITY LOANS

HELOC & Home Equity Loans — Borrow Against the Equity You've Built

For homeowners who need access to cash for home improvements, debt consolidation, education, or other major expenses. Borrow against the equity in your home at lower rates than credit cards or personal loans.

Who It Helps: Homeowners with built-up equity needing funds for renovations, debt consolidation, education costs, medical bills, starting a business, or any large expense.

Benefits:

• Lower interest rates than credit cards and personal loans
• HELOC offers flexible revolving credit — borrow what you need, when you need it
• Home equity loans provide fixed payments for easy budgeting
• Interest may be tax-deductible if used for home improvements
• No prepayment penalties on most products
• Preserves your cash reserves for emergencies
• Can increase your home's value through improvements