Home Equity Loans

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Whether you’re considering a big pool for the backyard, paying college tuition, consolidating debt or finally taking that luxurious vacation you’ve always dreamed of—don’t let a lack of cash stand in your way. Home equity loans from Hickory Point Bank are a great way to use the investment you’ve made in your home and make those big dreams a big reality. A home equity loan or line of credit is a great way to pay for big-ticket items. They are based on your equity and secured by the value of your home. They feature affordable rates and personalized, professional service.

Line of Credit

A revolving line of credit secured by the equity in your home.

  • Access to liquidity as needed
  • Low interest rate
  • Payment flexibility
  • No out of pocket closing costs
  • Fast credit approvals
  • Potential tax advantage (consult your tax advisor for details)
  • Option to convert the balance or portion of the balance to a fixed rate term loan
  • Convenient access
  • Schedule or make payments online

Fixed Rate Conversion

A convenient way to convert the balance or a portion of your home equity line of credit.

  • Fixed interest rate
  • Level monthly principal and interest payments
  • Specified maturity date
  • Schedule or make payments online
  • Line availability increases as the term loan is paid down
  • Fast credit approvals
  • home equity line of credit to a fixed rate term loan.

Term Loan

A term loan secured by the equity in your home.

  • Fixed interest rate
  • Level monthly principal and interest payments
  • Long-term amortization (up to 15 years) so payments are low
  • Potential tax advantage (consult your tax advisor for details)
  • Schedule or make payments online
  • Fast credit approvals

* Consult your tax advisor.

Check out our current rates.