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Valley Bank
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Home Equity Lines of Credit


Put the power of your home equity to work. 

With a Home Equity Line of Credit you can get the financing you need for debt consolidation, education and tuition costs, remodeling and home improvement, major purchases, or funding unexpected expenses. The funds are available when you need them and you don’t make payments until you borrow. A HELOC is a low-rate, flexible way to help you reach your goals. A HELOC utilizes a portion of the available equity in your home to provide a line of credit that you can access on demand.
 
A Home Equity Line of Credit is an agreement that allows you to use the equity in your home as collateral. It’s a popular and efficient way for consumers to finance whatever you have in mind. Your line of credit is available to you whenever you need it without having to continually go through the loan process. You have easy access to cash whenever you need it. It’s not even necessary to contact the bank every time you want to make a draw against the loan. You can use Online Banking to deposit funds into your checking or savings account to make your payments. For more detailed information on rates, terms and options, please contact a member of our lending team.
Home Equity Lines of Credit are available with a variable interest rate. Rates will vary by your credit situation, terms of the loan and amount of the loan compared to the value of your home. You can access your revolving line of credit with Online Banking or by writing a check. Typically a HELOC is a second mortgage on your residence, but can be a first mortgage, or possibly a mortgage on a second home or investment property. A HELOC can be offered on rental properties. For more detailed information on rates, terms and options, please contact a member of our lending team.
Rates are typically lower than most other consumer loan products, so you save money on interest. Variable rates for various time periods are available. A balloon payment will often result at loan maturity. Offer of credit is subject to credit approval. For more detailed information on rates, terms and options, please contact a member of our lending team.
The Interest you pay may be tax deductible (check with your tax advisor). Interest is charged only on the actual amount advanced, resulting in lower monthly payments compared to conventional loans with principle and interest payments. For more detailed information on rates, terms and options, please contact a member of our lending team.






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