Home Equity Loans and Lines

Home Equity Loans and Lines

Select the appropriate box to indicate individual or joint credit.
- Check here if you are applying for individual credit and relying on your own income or assets and not the income or assets of another person as the basis for repayment of the credit requested.
- Check here if you are applying for joint credit with another person and provide information about the joint applicant.
Loan Information
Required information*
  • - Home Improvement
    - Refinance 1st or 2nd Mortgage
    - Debt Consolidation
    - Purchase of a Rental or 2nd Home
    - Other
    Close

    Home Equity Line of Credit - Variable Rate

    Please click here to read/print the Home Equity Line Handbook and Disclosure (1% principle and interest payment option).

    Please click here to read/print the Home Equity Line Handbook and Disclosure (Interest only payment option).

    I have either read/printed the Home Equity Line Handbook and Disclosure or acknowledge I have been given the opportunity to do so:

    Yes, Continue to Application No, Go Back

     

    * No fee applies to owner occupied single family primary residences located in our normal lending area. Does not apply to non-owner occupied rental, second homes, duplex, multi-family, bridge loans, or temporary financing.

    Customer Notice: To assist the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Thank you for your cooperation.

    Cancel

    Home Equity Line of Credit - Fixed Rate

    Please click here to read/print the Home Equity Line Handbook and Disclosure.

    I have either read/printed the Home Equity Line Handbook and Disclosure or acknowledge I have been given the opportunity to do so:

    Yes, Continue to Application No, Go Back

     

    * No fee applies to owner occupied single family primary residences located in our normal lending area. Does not apply to non-owner occupied rental, second homes, duplex, multi-family, bridge loans, or temporary financing.

    Customer Notice: To assist the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Thank you for your cooperation.

  • If the purpose is to payoff debts with the proceeds of this loan, list creditor balance:

    Creditor Balance Creditor Balance


Applicant Information



  • Sources of Other Income: Alimony, child support or separate maintenance need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.
    Do you have a:


Joint Applicant or Other Party Information
Complete only if for joint credit, for individual credit relying on income from other sources, or applicant is married and resides in a community property state.
  • Sources of Other Income: Alimony, child support or separate maintenance need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.
    Do you have a:


Primary Mortgage Information
  • If taxes and insurance are not escrowed in first mortgage payment list the annual amount below.
    ($)
  • Is there a mortgage on the 2nd home or investment property? Select yes or no. If yes, list the mortgage holder, payment, and current balance below.*

Marital Status
Complete only if: for joint or secured credit, or applicant resides in a cummunity property state or is relying on property located in such a state as a basis for repayment of the credit requested.
HMDA
The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. The law provides that a lender may discriminate neither on the basis of this information, nor on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race you may check more than one designation. If you do not furnish ethnicity, race or ex, under Federal regulations, this lender is required to note the information on the basis of visual observation or surname. If you do not wish to furnish the information, please check the box below. Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.
  • I do not wish to furnish this information.

  • - American Indian or Alaska Native
    - Asian
    - Black / African American
    - Native Hawaiian or Other Pacific Islander
    - White

  • I do not wish to furnish this information.

  • - American Indian or Alaska Native
    - Asian
    - Black / African American
    - Native Hawaiian or Other Pacific Islander
    - White

  • NOTICE - APPRAISAL COPY:
    You have the right to a copy of the appraisal report used in connection with your loan application for credit. If you wish to receive a copy, please write to us at the mailing address we have provided. We must hear from you no later than 90 days after we notify you about the action taken on your credit application or you withdraw your application. In your letter, give us the following information: Loan or application number(if known), date of application, name(s) or loan applicant(s), property address, and current mailing address.
  • Notice of negative information:
    We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.
  • SIGNATURES:
    I certify that everything I have stated in this application and on any attachments is correct. You may keep this application whether or not it is approved. By submitting below I authorize you to optain my credit bureau and employment history and to answer permissible questions, under the Fair Credit Reporting Act, others may ask you about my credit record with you. I understand that I must update credit information at your request if my financial condition changes.