Home Equity


Turn the equity in your home into cash with a home equity loan at Heritage Bank.

Home equity loans can be used to finance just about anything.  Often times, the interest you pay will be tax deductible (see your tax professional for details).

Heritage Bank offers two main types of equity loans:

Fixed Rate Second Mortgage

  • Best used for a specific purpose such as home Improvement or debt consolidation.
  • Qualify for up to 90% of the value of your home.
  • Interest rate is fixed during the entire term of your loan.
  • Fixed monthly payments

Home Equity Line of Credit (HELOC)

  • Line of credit allows you quick access to cash.  Be prepared for the unexpected.
  • As principal is paid back, you can re-borrow funds again.
  • You only pay interest on the amount of money you use.
  • Access funds by online transfer, check or in person.

Applying for a loan at Heritage Bank is easy!

  • Stop by any of our locations and talk with a mortgage lender; or
  • Download an application to Apply Now.

Use our mortgage checklist as a guide to help you gather the items you’ll need.

If you have any questions or need help with your application, you can simply Contact Us by email or phone.