Home Equity Line of Credit

Closing Costs only $349*

Emery  HELOC_2019A home equity line of credit works sort of like a credit card limit. You borrow only what you need, up to your preset limit, and pay interest only on what you borrow. And, with closing costs of only $349 with no annual fee, it’s never been a better time to take advantage of all the things a Home Equity Line of Credit can do for you.

Why a Home Equity Line of Credit?

  • Access funds for large expenses, now and in the future
  • Low Rates
  • Make payments on only your outstanding balance
  • Interest may be tax deductible (check with your tax adviser)

Variable Rate Home Equity Loan

  • Line of Credit
  • No annual fees/draw fees
  • Rates as low as Prime -1%**
  • No Prepayment Penalty
  • Loan terms up to 15 years

*Subject to credit approval.
**Floor annual percentage rate as low as 3.25

Closed-End Home Equity Loan

A closed-end equity loan offers a single lump sum that can help you consolidate high-interest debt, pay for a home improvement or much more.


  • Borrow a specific amount, with a fixed rate, term and monthly payment
  • Great for debt consolidation, major home renovations, or large one-time purchases
  • Flexible repayment terms available
  • Loan terms up to 15 years
  • Minimal Closing Costs
  • Interest may be deductible (check with your tax adviser)

Fixed Rate Home Equity Loan

  • Installment Loan
  • No Annual Fees
  • No Prepayment Penalty

Contact us today to start your application.

Disclosures and Information

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