Use a home equity loan to make improvements, consolidate debt or pay unexpected expenses.
A home equity loan provides you with one lump sum taken at the time the loan is finalized. Home equity loans typically have a fixed interest rate for a fixed term and a fixed monthly payment. You might consider this type of loan to consolidate debt or pay off large expenses. A HELOC, on the other hand, is a revolving line of credit, similar to how a credit card works.
A home equity line of credit provides the flexibility to withdraw money as you need over a 10-year period. You might consider a HELOC for things such as home improvements.
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APR= Annual Percentage Rate. Actual APR will be based on the borrower’s credit history, location and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice. Rates reflected above include a maximum discount of 1.00%. Rates are effective as of June 13, 2026
