CELEBRATING 250 YEARS OF AMERICA
Turn Your Home Equity Into Opportunity
Whether you’re planning home improvements, consolidating debt, covering education expenses, or managing unexpected costs, our Home Equity Line of Credit (HELOC) provides flexible access to funds when you need them.
WHY HOME STATE BANK?
15-Year Maturity
No Annual Fee
Up to 90% Combined Loan-to-Value (CLTV) at loan closing when your first mortgage is with HSB
Up to 80% Combined Loan-to-Value (CLTV) at loan closing when your first mortgage is with another lender
CURRENT VARIABLE APRs
| CREDIT SCORE | DEBT-TO-INCOME <35% | 35%-43% |
|---|---|---|
| 750+ | 6.50% - 7.00% | 6.75% - 7.25% |
| 700-749 | 7.00% - 7.50% | 7.25% - 7.75% |
| 650-699 | 8.00% - 8.50% | 8.25% - 8.75% |
LIMITED TIME OFFER
HELOC Special Rate
2.50%
Introductory APR* for the first 6 months
Automatic payment from any HSB account to receive the introductory rate.
After the introductory period, APR is variable and adjusts to the standard HELOC rate.
*The 2.50% Annual Percentage Rate (APR) is an introductory rate available for the first six (6) months after account opening and requires automatic payment from an HSB deposit account. After the introductory period, the APR becomes variable and currently ranges from 6.50% APR to 8.25% APR based on credit score, debt-to-income ratio, and other underwriting criteria. Rates are accurate as of August 26, 2026. Variable APRs are based on the Wall Street Journal Prime Rate plus the applicable margin and are subject to change. The introductory APR will first adjust at the end of the six-month period and thereafter on each fifth anniversary of the Note Date. The APR will not fall below 3.75% APR or exceed 21.00% APR.
Offer available for applications received between September 3, 2026, and December 3, 2026, on owner-occupied primary residences only. All loans are subject to credit approval and property eligibility. Offer may be changed or discontinued without notice and may not be combined with any other offer.
Closing Costs: $200 finance charge, a $3 life-of-loan fee, and estimated third-party fees ranging from $0 - $1,000.
Homeowners insurance is required. Flood insurance is required where applicable. Interest paid on a Home Equity Line of Credit may be tax-deductible. Consult your tax advisor regarding your specific tax situation.