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Home Equity Line of Credit

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Home Equity Line of Credit

A home equity credit line lets you borrow money against the equity you've built in your home. Funds are available whenever you need them and you don't owe anything until you access your line of credit.

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Good Neighbor Home Equity Line of Credit

With our Good Neighbor Home Equity Line of Credit, you may be eligible to tap into the equity in your home, up to 105% of your property's value. Plus there's no annual fee and no prepayment penalty.4

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Frequently Asked Questions

Home equity is created when the value of your home increases and/or when you reduce the amount you owe on your home through loan payments.

Anything you want! You can consolidate debt, pay for tuition or medical expenses, a new car, home improvements or any big-ticket purchase. It’s your call. 

A home equity line or loan may carry a lower interest rate than a credit card, and it may provide you with more money to do the things you want. Also, as an added bonus, the interest paid on some home equity lines and loans can be tax deductible when the money was used for home improvements.  Check with your tax advisor to find out.

At a Liberty Bank branch location. During the application process, we'll ask you which Liberty Bank branch you would like to close in. A helpful Liberty Bank advisor will guide you through all the closing documents and answer any questions you have.

Home Equity Line Rates

Liberty Bank will help you find the home equity line of credit that fits you best.

Line/Loan Line/Loan Amount LTV Rate APR
SoLo Home Equity Line1 $50,000 - $500,000 ≤80% LTV 5.99% fixed for the first 12 months then Prime Minus 0.50% 5.99%
Home Equity Line2 $10,000 - $24,999 ≤80% LTV Prime Plus 1.25% 8.50%
Home Equity Line3 $25,000 - $500,000 ≤80% LTV Prime Minus 0.50% 6.75%
Good Neighbor Home Equity Line4 $1,000 - $50,000 ≤105% LTV Prime 7.25%
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