房屋净值 Line of Credit

Use a HELOC to reinvest in home improvements, finance a big purchase, or consolidate higher interest debt. The possibilities are endless. 

看到 rates and disclosures.

Easy Application

Streamlined and hassle-free process

快钱

Transfer to your checking when you need it

No Closing Costs

For non-escrowed lines up to $100k*

使用heloc

What can your 房屋净值 do for you?

Overhaul your home value, pay for improvements, or consolidate debts at a better rate. It’s your equity, use it how you want!

  • Pay for repairs, renovations, and side projects
  • Make big-ticket purchases
  • Refinance higher interest debt
  • Increase your monthly cash-on-hand

看到 rates and disclosures.

HELOC指南

How Does a HELOC work, anyway?

A 房屋净值 Line of Credit (HELOC) allows you to draw against the equity in your home as a line of credit, then pay it back over a long period of time.

  • Borrow up to 100% of your home’s equity
  • Low monthly payments spread over long periods of time
  • Although we offer higher limits, there are no closing costs for non-escrowed lines up to $100k*

看到 rates and disclosures.

房屋净值 贷款

Another 房屋净值 Option

A Fixed 房屋净值 Loan allows you to get a lump sum from a 2nd mortgage.

  • For when you know exactly how much money you need
  • Receive funds in a lump sum with a fixed rate
  • 条款 up to 15 years

Frequently Asked Questions

Your line of credit appears as an account within 网上银行, where you can make, same-day transfers to your checking account. Or, contact us and we’ll make that transfer for you.

There is no annual fee for the first year. After that, it is just $50.

You can borrow up to 100% of your home’s equity.

Your HELOC has a 10 year draw period followed by a 15 year repayment period.

Feel free to call, 闲谈,聊天, or stop by any time with your home equity, mortgage financing, or any other questions. We’re always happy to help!

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Unlock the equity in your home.

*If your line is $100k or less, and you’re not paying off an existing lien, like a 2nd mortgage or HELOC from elsewhere, your new Columbia CU HELOC will have no closing costs.