How will you use your home equity loan?
Home Renovation
From a new deck to a full kitchen remodel, your home’s value can help fund what’s next.
VACATION
From quick getaways to bucket-list trips, your net vacation doesn’t have to wait.
Education
Big milestones like college, trade school, or continuing education don’t have to feel out of reach.
Debt Consolidation
Combine credit cards, personal loans, medical bills into one simpler payment.
MAJOR EXPENSES
From a new HVAC system to a wedding or large purchase, your equity can help.
EMERGENCY FUNDING
Be prepared for unexpected expenses without financial disruption.
HELOC SPECIAL: 10 – Year term, Prime–1% Annual Percentage Rate (APR) on 1st mortgage HELOC.
Home Equity Line of Credit (HELOC)
A flexible line of credit that lets you borrow against your home’s equity as needed, up to your approved limit. Ideal for ongoing projects or expenses, with funds you can access during the draw period.
- Competitive rates starting at Prime
- 10-year term
- Lines available up to 80% LTV
- Limited or no closing fees
- Personal guidance from your dedicated lender
Learn More
For more information, please call Toll Free 855-668-6872 to talk to one of our Mortgage Lenders.
*Variable APR will be equal to The Wall Street Journal Prime Rate minus 1.00% (5.75% APR as of 2/20/2026, based on the Prime Rate of 6.75%), and is subject to change due to any increase or decrease in the Prime Rate. However, the APR will not exceed 13.50% and will never be less than 4.00%.
Union State Bank agrees to pay the closing costs involved with the Home Equity Special Line of Credit. Closing costs that are associated with a Home Equity Line of Credit include title, attorney fees, appraisal, assessments, taxes, flood determinations, recording fees and any other fee that may be associated with a mortgage transaction. There is a minimum initial draw of $15,000.00 required.
Loan is subject to credit approval and must be secured by an owner-occupied dwelling. Mobile home secured properties
are not eligible; This promotion and rates are subject to change prior to Dec 31, 2026. Other products and terms are available.
Wall Street Journal Prime Annual Percentage Rate*
FAQs:
Is there a limit to the amount I can borrow against my home?
Yes. The amount you can borrow depends on your home’s current value, your existing mortgage balance, and your credit profile. Most loans allow you to borrow up to a certain percentage of your home’s value.
What’s the difference between a HELOC and a home equity loan?
Will this affect my mortgage?
A home equity loan or HELOC does not replace your current mortgage. It is separate from your first mortgage, though it does use your home as collateral.
How long does it take to get approved?
Approval timelines vary, but most home equity loans and HELOCs can be processed within a few weeks. Our lenders will guide you through each step.
What’s a tax advantage of a home equity loan?
In some cases, the interest paid on a home equity loan may be tax deductible if the funds are used for qualified home improvements. We recommend speaking with a tax advisor to understand your specific situation.
