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Home Equity Loans & HELOCs

Finance Your Next Big Expense!

The key to your financing needs may be in the walls of your house! It’s not buried treasure, but your home’s built up equity that can provide the funds you need for your next big purchase. Home State Bank offers two options to help you put your home’s equity to good use: a home equity loan and a home equity line of credit.

Home Equity Loans


Do you have a large upcoming expense? If so, a home equity loan is the right solution for you. It taps your home’s equity to offer a lump sum of cash for you to use for your immediate need. We’ll structure your home equity loan to ensure a simplified fixed payment that is easy to budget around.

Home Equity Lines of Credit (HELOCs)


If your income experiences peaks and valleys throughout the year, a home equity line of credit is the better option. This allows you to use credit when it fits for you, and repay only what you use. HELOCs are a very flexible financing option.