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Home Equity

What builds you?

Home Equity

Tap into what you own. You’ve invested in your home and can easily tap into its value. Access low interest funds for that next home improvement, debt consolidation or purchasing whatever your life circumstances warrant.

Types of Home Equity Loans

Fixed Rates

Home Equity

Ideal for when you know the exact cost of a specific project or purchase.

  • Borrow up to 95% of the value of your home
  • Receive lump sum funds
  • No application fee
  • No closing costs

Line of Credit (HELOC)

Home kitchen

Perfect for when you’re not sure about your anticipated expenses and want to have money readily available.

  • Intro Rate of 1.99% APR* for 6 months
  • Borrow up to 95% of the value of your home
  • No application fee
  • No closing costs

Which one is right for you?

Features & benefits
Home equity loan
(for specific expense)
(for anticipated expenses)
Rate Fixed Rate See Rates Variable Rate Intro rate of 1.99% for 6 months
Receive lump sum
Draw as needed in person, by check and Online Banking
Interest on drawn amount only
Interest may be tax deductible**
No application fees
No prepayment penalties
No closing costs
Borrow up to 95% of the value of your home
Terms 5, 10, 15 and 20 year terms available 10 year draw period followed by 20 year repayment period
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Estimate your monthly home equity payment

See our current rates

Your estimated monthly payment

$ 0.00

for a $ 0.00 loan

How much can you borrow?


Your opportunity

Borrow up to 95%
Home Equity with Proponent

$ 0.00

Current loan-to-value ratio: 0 %

Other financial institutions may only lend up to 80%

You may need to build more equity in your home. Your advocate is ready to help with a game plan and available options at 800.457.8058

Results are approximate and intended for information only.
The accuracy of the results is not guaranteed by the financial institution.

Here are some ideas to get you started

*APR = Annual Percentage Rate: The 1.99% annual percentage rate is an introductory fixed rate for the first 6 months from the loan open date for qualified home equity line of credit borrowers and are subject to credit approval. Refinancing within 24 months of existing Proponent Home Equity Line of Credit loan does not qualify for the promotional rate.

Promotional Information: Your monthly payment during the promotional period will be calculated on the total loan balance at the fully indexed rate. After an advance, the loan will recalculate out to a 240 month repayment and interest will be calculated on the advanced balance at the promotional rate. Rate after 6 months from the open date will float with Prime Rate, under the terms of your credit line agreement.

Variable Annual Percentage Rate (APR) is based on The Wall Street Journal Prime Rate published on the last business day of the month minus 0.50% with a floor of 4.00%. Rates may vary depending on credit worthiness and value of your home.

Loan to Value (LTV) and/or Combined LTV (CLTV) restrictions apply. Rates are subject to change without notice.

Property must be owner-occupied. Home Equity Line of Credit loans are available up to 95% Loan to Value on 1-4 family home and up to 85% Loan to Value on Condominiums/Townhomes. Home equity lines of credit are available in first or second lien positions.

Not available for homes currently for sale. The minimum loan amount is $7,500. State specific tax fees may apply at closing. Homeowner’s insurance is required; flood insurance is required where applicable.

**Ask your tax advisor.