Home Equity Lines of Credit (HELOC)

Unlock the Equity in Your Home—When You Need It Most

Whether you're remodeling your kitchen, consolidating debt, or covering unexpected expenses, a Home Equity Line of Credit (HELOC) from Eclipse Bank gives you the freedom and flexibility to borrow only what you need—when you need it. Enjoy competitive rates, interest-only payments during the draw period, and ongoing access to funds without reapplying.

Key Features

• Revolving Credit Line: Borrow what you need, repay, and borrow again—up to your approved limit.

• Only Pay Interest on What You Use: Keep monthly payments manageable with interest-only options during the draw period.

• Competitive Variable Rates: Lower rates than most credit cards or personal loans.

• Flexible Terms: Designed to fit your financial goals and timeline.

• Quick Access to Funds: Use your HELOC for home improvements, debt consolidation, education expenses, or emergencies.

• Easy Account Access: Manage your line online, through mobile banking, or in person.

• Local Lending Experts: Decisions made right here at Eclipse Bank, with personalized service from start to finish.

Benefits of a HELOC from Eclipse Bank

• Budget-Friendly Payments: Interest-only payments help you maintain monthly cash flow.

• No Need to Reapply: Access funds anytime during the draw period without additional applications.

• Potential Tax Benefits: Interest paid may be tax deductible (consult a tax advisor).

• Use for Almost Anything: From renovations to tuition, you’re in control of how the funds are used.

Is a HELOC Right for You?

A Home Equity Line of Credit is ideal if you:

• Want flexibility to borrow funds as needed

• Plan to make home improvements over time

• Prefer a lower-interest option for large expenses

• Need a financial safety net for the unexpected

Let’s Put Your Equity to Work

Apply today and start making your home's value work harder for you. Our local team is here to guide you through the process, answer your questions, and help you get the most out of your HELOC.

Ready to get started?
Contact us today to speak with a local lender to answer any questions you may have.