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Our Williamson Street branch will be CLOSED on SATURDAY, JANUARY 30 due to a planned power outage as part of our ongoing construction.

Home Equity Loans

A home equity loan from Heartland is the smart way to borrow.

Got a home equity loan somewhere else — even at (gasp) a bank? Go Local and bring it to Heartland.

Home Equity Line-of-Credit HELOC

Interest RateRates as low as 1.99% APR* for the first 12 months
TermRevolving line of credit
Draw Period/Balloon Period5 year draw period; followed by repayment period
FeesLow closing costs**
PaymentInterest only or $50 minimum, whichever is greater

Second Mortgage Fixed

Interest Rate5 year fixed rate as low as 3.99% APR
TermUp to 10 years
FeesLow closing costs**
PaymentBased on the rate & repayment option

*APR is Annual Percentage Rate. After the introductory period the rate will be tied to the Prime Rate as published in the Wall Street Journal plus or minus a margin, or the floor rate of 3.99%, whichever is higher. Your actual rate will be based upon your creditworthiness and loan-to value (LTV). Prime Rate as of January 20, 2021 is 3.25%. Maximum LTV is 100%. Rates subject to change but the APR will not exceed 18% APR. Rates 3.99% to 11.24% and are accurate as of January 20, 2021. Property insurance required. Existing Home Equity Lines of Credit are not eligible for the introductory rate. Appraisal fee and title insurance, if required, is an additional charge.

** Closing cost fees range from $30.00 to $645.00. Fees that may apply: appraisal or property valuation, title report, flood determination, tax servicing and filing fees.




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