A home equity line is an approved line of credit secured by the equity in your home.

With Hometown Equity Line Plus, you can finance a new car, make home improvements, pay for your child’s education, take a well-deserved vacation, or use the money any way you want.  Just write a check from your HELP account, and the money you need is yours.

The total amount available in your Hometown Equity Line Plus is based on the equity in your home and on your ability to repay.  Based on your credit, you could qualify for up to 90% of your home’s appraised value.  Once you establish a Hometown Equity Line Plus, you may draw from it as often as you like.  You pay interest only on the amount you actually use. 

With HELP, the interest you pay is lower than that charged by most credit cards.  Because the credit line is secured by the equity in your home, the interest could be tax deductible.  (Consult your tax advisor.)

HELPful Features

• Revolving line of credit

• Possible tax advantages (Consult your tax advisor.)

• Easy access to funds

• Borrow up to 90% of your home’s appraised value

• Easy repayment terms

Consumer loans include:

Credit Cards

Personal Loans

Vehicle Loans

Boat Loans`

Student Loans

Construction Loans

Home Improvement Loans

Home Mortgage Loans