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Home Equity Loans

 

Flexible Home Equity Solutions from Heritage Bank

You’ve put a lot into your home. Now, it’s time to ask: what can your home do in return? For starters, consider utilizing your home’s equity for a favorable loan with low closing costs and flexible repayment terms, including interest-only options. Proceeds may be used for any consumer purpose, such as home improvement, debt consolidation, or a car purchase. Best of all, the interest may be tax deductible.1

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Neighbor-Approved

Get the personal support you deserve from local lenders.

Flexible Financing

Use home equity financing for various projects and purposes.

Leverage Your Home’s Value

The existing equity in your home is used as collateral backing.

Access Funds Without Touching Your Savings

With competitive rates for a variety of short-term or one-time expenses, you can leave your savings and emergency funds intact. Whether it’s for education expenses, major life events, a home remodel, or something else, we provide flexible options to help you cover those important costs without disrupting your financial security.
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Flexible Terms and Expert Guidance at Every Step

We offer accommodating repayment terms tailored to fit your unique needs, with the added benefit that the interest paid may be tax deductible.1 Decisions are made locally ensuring a smooth, personalized experience, all while our expert lenders are here to guide you from start to finish.

Home Equity Lines of Credit (HELOCs)

A HELOC utilizes your home's equity as collateral for a competitive-rate credit line. Once the line of credit is opened, you can make advances as you need. Unlike an amortized loan, what you don't use, you don't owe. And you only pay interest on the part that's used.

We offer competitively low rates for a wide range of seasonal or ongoing needs: 
  • Home Improvements
  • Debit Consolidation
  • Personal Expenses
  • Vacations
  • Home Remodeling
  • Education Expenses
  • Medical Expenses
  • And More
We have the technology, but we also offer high-touch customer service. Our customers know they can call, stop by, text, or email, and we can guide them through every step of the loan process.
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John Gideon
Executive Vice President – Senior Credit Officer

Neighbors Serving Neighbors Since 2003

Why Heritage?

Your local dollars are invested in our local communities with local lenders and local decisions because, at Heritage Bank, we are Neighbors Serving Neighbors.

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All loans are subject to credit approval.

1 Consult a tax professional.

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