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.