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home equity line of credit (heloc)

Lower rates, higher credit limit, endless possibilities!

Create financial flexibility with a Home Equity Line of Credit (HELOC)

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Members with real estate loans who are experiencing financial hardship due to COVID-19 are encouraged to reach out to us to discuss their options.

What is a HELOC?

A HELOC allows you to utilize the equity (value) of your home as collateral to receive a lower interest rate than a personal loan or credit card. This is a great option for financing larger purchases. Once you're approved for a HELOC, you can utilize the loan on your own time whenever and however you need it.  

How do you qualify for a HELOC?

You must have equity in your home to qualify for a HELOC. This means that the amount you owe on your home is less than what it is worth. 

To find out the value of your home, a great place to start is to look up the tax-assessed value. You can find this info at your county assessor's website:

You can also reach out to a Realtor to perform a market analysis.

Once you apply online, we'll just need your most recent paystub, your most recent mortgage statement, and a copy of your homeowner's insurance declaration page to get started.

HELOC benefits:

You can use HELOCs for things like:

You can access your HELOC online through Home Banking, give us a call at 509.328.2900 or stop by any of our branches. 

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