Line of Credit
when you need it.
Flexible funds. Fixed start. Built for real life.
Need access to cash—but not all at once? Our Hybrid HELOC gives you the freedom to borrow as needed, starting with a low fixed rate for 5 years. It’s perfect for home projects, ongoing expenses, or just having backup when life happens.
How it Works
This isn’t your average line of credit. Our Hybrid HELOC gives you a 5-year head start with a fixed interest rate. After that, it adjusts annually based on the market. During the first 5 years, you can borrow what you need and make interest-only payments. Then, you pay it off over the next 15 years.
You get:
- A reusable line of credit up to your approved limit
- Fixed rate for 5 years, then adjustable
- 5 years of interest-only payments (draw period)
- 15 years to pay it off (repayment period)
Ready to get started?
Let’s put your home’s equity to work – your way.What Can I Use It For?
Whatever life throws your way—planned or not:
Home Updates
Turn sweat equity into real upgrades.
College or School Tuition
Invest in their future without breaking your monthly budget.
Emergency Funds
Be ready when life throws you a curveball.
Your Growing Family’s Needs
Life happens. Equity helps you handle it.
Business Expenses
Turn your dream side hustle into a real business.
You Decide
Roll high-interest debt into a more manageable payment.
Get Your Cash - Apply Now
Apply for a HELOC →Line of Credit Details at a Glance
| Feature | What You Need to Know |
|---|---|
| Loan Type | Home Equity Line of Credit |
| Initial Rate | Fixed for the first 5 years |
| Adjustment | Variable after 5 years |
| Draw Period | 5 years (interest-only) |
| Repayment Period | 15 years (principal & interest payments) |
| Max Loan-to-Value | Typically up to 100% ask us! |
| Credit Score | 660+ |
| DTI Limit | up to 45% |
| Property Type | Must be your primary residence |
Frequently Asked Questions
Q: How do I access my funds?
A: Super easy—transfer from your HELOC to your checking account whenever you need it.
Q: Can I use it more than once?
A: Absolutely. As you pay down your balance, those funds become available again during the draw period.
Q: What happens after the 5-year fixed rate ends?
A: Your rate becomes adjustable, based on a market index plus a margin. We’ll walk you through the details so there are no surprises.
Q: Do I have to use it right away?
A: Nope. You can set it up now and draw funds only when you need them.