Home Equity Loans & Lines of Credit Unlock the power of your home equity APPLY TODAY Open a new Hillcrest Bank Home Equity Line of Credit and enjoy an introductory rate of just 5.49% APR* for the first 6 months on lines up to $250,000 (As low as 6.99% APR* thereafter.) It's the perfect way to fund major home improvements and more. Apply Now Everything and the kitchen sink Common sense says to use the tools that you already own such as the equity in your home. With a home equity loan or line of credit (HELOC) from Hillcrest Bank, you have the power to cover large expenses like home improvements, funding education or paying medical bills in an affordable way. With so many ways to use the equity in your home, you can get everything you need. How you can use your equity Home Equity Term Loan A loan secured by the equity on your home or property. You’ll receive the lump-sum proceeds when your loan is closed. You can use the proceeds of the loan to pay for college expenses, home improvements or to refinance. Home Equity Term Loans are not available in Texas. Home Equity Line of Credit A reusable line of credit secured by the equity on your home or property. With a line of credit you have access to your funds when you need them, like a credit card, but with lower interest rates. The perfect solution for home improvements, paying medical bills or even paying off high-interest credit card debt. Home Equity Lines of Credit are not available in Texas. Compare the features and benefits of our Home Equity Loans and Home Equity Lines of Credit You’ll also need: Home Equity Application Disclosure What You Should Know About Home Equity Lines of Credit Ready To Apply? Fill out this form to have a banker give you a call about applying for a Home Equity Loan or Line of Credit. This field is hidden when viewing the formReady to get Started? Let's Talk.First Name(Required)Last Name(Required)Address(Required) Street Address Address Line 2 City State AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming ZIP Code Email(Required) Phone(Required)Best Time to Call Hours : Minutes AM PM AM/PM Δ Compare Home Equity Loans and Home Equity Lines of Credit Home Equity Line of CreditHome Equity Term Loan Closing costs1Hillcrest Bank will pay up to $500 in closing costs.Hillcrest Bank will pay up to $500 in closing costs. Annual fee$50 (waived if automatic payment initiated from a Hillcrest Bank account) Maximum loan-to-value80%2,385%2,4 Funds accessibility Online banking By mail At a banking center Checks we provideLump sum at closing Application processApply at banking centerApply at banking center *APR = Annual percentage rate. Introductory rate of 5.49% APR for the first six months following line of credit closing date. After the introductory period, APR is variable and will vary for the remaining life of the loan based on the Prime rate plus a qualifying margin determined by lien position, Combined Loan-To-Value (CLTV), and credit score. As of June 12, 2026, the APR will range from 6.99% - 8.75%. The APR will not exceed 17.60% and the minimum APR is 5.49%. There is a minimum loan amount of $10,000 and a maximum CLTV of 80%. Subject to credit approval. Rates are subject to change without notice. Visit Hillcrest Bank for current rates. Home equity loans and lines of credit are not available in Texas. Credit and collateral approval required. Offer available for new NBH home equity line of credit ("HELOC") clients only for applications taken on or after June 12, 2026 through September 4, 2026. To qualify for this promotional rate, the property secured by the HELOC must be your primary residence. This product is primarily secured by owner-occupied residential property. Second homes may be accepted as collateral in certain areas, subject to additional eligibility criteria, underwriting requirements, and geographic limitations. Please contact Hillcrest Bank for details. Additional restrictions and limitations apply. The introductory annual percentage rate ("APR") will be in effect for the first 6 months of your loan term, even if you do not draw on the line of credit during that period. Hazard insurance is required for the property that secures the HELOC. Flood insurance is required for properties in special flood hazard areas. Required payments do not include amounts for taxes and insurance premiums. You will be responsible for annual taxes and insurance. 1Hillcrest Bank will pay up to $500 in closing costs on home equity loans and lines of credit. Third party closing costs may apply. 2Maximum CLTV is subject to credit score and overall collateral approval. 3Max CLTVs for HELOCs: $10,000-$100,000 is 80%, $100,001-$150,000 is 75%, $150,001-$250,000 is 70%. 4Max CLTVs for Home Equity Loans: is $15,000-$100,000 is 85%, $100,001-$150,000 is 80%, $150,001-$250,000 is 75% Please contact Hillcrest Bank more details.
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