Use Your Home's Equity

Put Your Home’s Equity to Work with Flexible Lending Options

Explore flexible home equity loans and home equity lines of credit designed to help you fund home improvements, consolidate debt, or cover life’s big expenses while making the most of your home’s value.

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Line of Credit

Home Equity Line of Credit

Revolving Line of Credit

Variable Rate
Great for Ongoing Projects or Expenses
Withdraw Funds as Needed
Flexible Payments During Draw Period
Payments May Vary with Rate Changes
Pay Interest Only on What You Borrow
Secured by Your Home

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Installment Loan

Home Equity Loan

Lump Sum Loan

Fixed & Variable Rates
One-time Large Expenses
Full amount Disbursed Upfront
Fixed or Variable Monthly Payments
Payment Applies to Full Loan Amount
Payment Includes Principal & Interest
Secured by Your Home

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Home Equity Line of Credit Variable Rate

7.50%

APR Up to 80.00% Loan-To-Value

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Home Equity Line of Credit Variable Rate

8.74%

APR Up to 90.00% Loan-To-Value

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Home Equity Loan FAQs

Answers to Common Questions About Home Equity Loans

What’s the difference between a HELOC and a Home Equity Loan?

A HELOC is a revolving line of credit that lets you borrow as you need it, while a Home Equity Loan gives you a lump sum upfront with fixed payments over time.

Which option is better for home renovations?

A HELOC may be a better fit if your project will happen in stages or you need flexibility, while a Home Equity Loan works well if you have a one-time project with a set budget.

Do HELOCs and Home Equity Loans have different interest rates?

Yes, HELOCs have variable interest rates that can change over time. Home Equity Installment Loans have the option to have either a fixed or variable rate.

Can I use a HELOC or Home Equity Loan for things other than home improvements?

Yes, both options can be used for a variety of needs, including debt consolidation, education expenses, or major purchases.

*Standard consumer loan Home Equity Line of Credit (HELOC) underwriting guidelines apply. Annual Percentage Rate (APR). Rate available for well-qualified borrowers. Your HELOC rates may vary depending on your specific credit profile. Your HELOC rates are variable and subject to change monthly. Your HELOC ate will be based on the then-current index and margin. Loan-To-Value: Total of first and second mortgage balances and commitments divided by the value of the real estate pledged. Home equity lines of credit are available for homes located in Michigan or Ohio