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Tap into your home equity

Get $10,000 to $150,000 with $0 in closing costs*

Get the cash you need for remodeling, debt consolidation, home improvement, family vacation… Whatever your need, a Home Equity Line of Credit may be the answer you’re looking for.

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Rates on home equity loans are lower than those on most credit cards and consumer loans and allow you to use the equity you’ve built in your home.

  • No application fee.
  • Possible tax deductible interest payments.
  • Draw Term of 120 months.
  • Loans up to 90% of the value of your home.
  • Minimal cost involved.
  • Proceeds may be used for a variety of needs.

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*Property must be located in East Baton Rouge, West Baton Rouge, East Feliciana, West Feliciana, Ascension, Iberville, Livingston, Pointe Coupee, or St. Helena parish

Additional documentation may be needed before loan closing. Including:

  • Two years tax returns.
  • Last statement from all of your financial institutions.
  • Last two pay check stubs.
  • Legal description of the property.
  • Last statement from your first mortgage company.

Rates are current as of today’s date

Draw TermRepayment TermBeginning APR
120 Months240 Months9.00%
* Zero closing costs applicable to HELOC remaining open for 12 months or 1 year.
**APR = Annual Percentage Rate. APR quoted is tied to the Prime index as published in the Wall Street Journal and is subject to change based on Prime index movement, subject to a limit on increase of 6% over the term of the loan. Cap on annual limit on APR increase or decrease of 2% and subject to a floor. Initial interest rate may be higher based on an evaluation of your credit. Minimum loan and draw amount is $10,000. Minimum loan term is 10 years. Loans may be up to 90% of the value of your home. Rates and terms are subject to change without notice. Consult a tax advisor regarding the deductibility of interest and charges under the plan.

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