Home Equity Loans

• A lump-sum loan with a fixed term and rate
• The existing equity in your home is used as collateral backing
• Finance all kinds of needs, including:
  • Home improvement – Get the dream kitchen you’ve always wanted
  • Consolidation – Pay off personal debt like loans or credit cards, and enjoy one monthly payment
  • Vacation – Access the funds for your “bucket list” trip without emptying your savings
  • Education – Cover the expense of college tuition at favorable rates
  • Investment – Invest equity in the stock market or other real estate properties
  • You – Buy that dream car, liven up landscaping, create memories in your new boat
• Same-day home equity loan qualification lets you find out if you qualify in a snap
• Interest paid may be tax deductible*
• Local decision-making and in-house processing
• Detailed, friendly service from experienced lenders

• A variable rate line of credit with continual access to funds
• Ideal for long-term, ongoing needs or projects
• Revolving credit – as principal is repaid, more becomes available for use
• Write checks to make purchases or transfer money right into your checking account as costs arise
• Funds available anytime without reapplying; apply once, then use repeatedly thereafter
• Same-day home equity loan qualification lets you find out if you qualify in a snap
• Interest paid may be tax deductible*
• Local decision-making and in-house processing
• Detailed, friendly service from experienced lenders

There's money in your home, what will you do with it?

1. Make your wish list.
2. Calculate your home's equity. Here's how:
   • Find your home's value on your county appraiser's website.
   • Subtract your mortgage balance from your most recent statement.
   • The result is the amount of equity in your home. Lenders typically loan a percentage of this amount.
3. Contact us for the money.