Use Your Home’s Equity
Access funds based on the value you have built in your home
Your home’s equity can be used for larger expenses, planned projects, or flexibility when you need it. We will walk through your options and help you decide what fits your situation.
Start with a conversation
We begin by understanding what you are planning and how you want to use the funds.
- What you are planning to use the funds for
- How much you may need
- Whether you prefer flexibility or a set structure
From there, we will walk through options and outline next steps.
Two ways to access your equity
There are two common ways to borrow against your home. The right option depends on how you plan to use the funds.
| Home equity line of credit (HELOC) | Home equity loan |
|---|---|
|
A line of credit that allows you to access funds as needed over time.
|
A one-time loan with a set amount and structured repayment.
|
How we will help you decide
We will walk through how each option works based on your plans.
- Whether you need funds all at once or over time
- What payment structure you are comfortable with
- How long you plan to carry the balance
How your loan is handled
Your loan stays with us, which allows us to work through details based on your needs.
- Options structured around how you plan to use the funds
- Flexibility as your situation changes
- One lender guiding the process from start to finish
When it fits
This option is often a good fit if:
- You want to use your home’s equity for a project or expense
- You are deciding between flexible access or a set loan
- You prefer to work through options before choosing
- You want guidance as you move forward
Get started
Start with a conversation so we can understand your plans and help you decide what will work best for you.
NMLS # 421412
