Home Equity Loans & Lines Of Credit

Unlock the power of your home's equity with Home Equity Loans and Lines of Credit.

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.

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.

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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.

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Compare Home Equity Loans and Home Equity Lines of Credit

Home Equity Line of CreditHome Equity Term Loan
No closing costs1Hillcrest Bank will pay up to $500 in closing costs, applicable on HELOCs up to $250,000.Hillcrest Bank will pay up to $500 in closing costs.
Annual feeYes
(waived if automatic payment initiated from a Hillcrest Bank account)
Maximum loan-to-value80%2,375%2,4
Funds accessibility
Online banking
By phone
At a banking center
Checks we provide
Lump sum at closing

Application processApply at banking centerApply at banking center
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