Personal Banking / Home Improvement Loans and Lines of Credit
Unlock the Value of Your Home
Put your home to work for you. Did you know you can use the value of your home for a remodel, vacation, or to pay off debt? Let us show you how to leverage your home’s established equity and explore Centier Bank’s loan options today.
Explore Your Loan Options
Home Equity Lines of Credit (HELOC)
Borrowing based on the equity in your home. Centier offers both variable-rate and fixed-rate equity lines to suit your needs. A Home Equity Line of Credit gives you the convenience of accessing funds now or in the future. You decide when and how to use your money.
- Choose between a fixed or variable rate
- Borrow up to 90% LTV^^
- Competitive rates and fees
- Access funds via VISA® card or checks^
Home Equity Loans
Borrow a fixed amount based on the equity in your home. You get the convenience of a low fixed-rate and extended terms to fit your budget. Great for debt consolidation, home renovations or large one-time purchases.
- Fixed rate for the entire term of the loan
- Extended terms available
- Borrow up to 90% LTV2
- No appraisal or title fees2
- No closing costs2
- No prepayment penalties2
Home Improvement Loans
We offer special rates on Home Improvement Loans. Part of the funds must be used specifically for home improvement purposes.
Centier's NO FEE Home Improvement Loans offer you the convenience of a low fixed rate and extended terms to fit your budget. And, as always, Centier's Home Improvement Loans feature NO application fee, appraisal fee, or title fees3.
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^^ 90% LTV applies only to owner occupied single-family primary residence. Does not apply to non-owner occupied rental, second homes, duplex, multi-family, bridge loans, or temporary financing.
^A fee may apply at foreign ATM locations.
2 90% LTV and no Fee applies only to owner occupied single-family primary residences. Does not apply to non-owner occupied rental, second homes, duplex, multi-family, bridge loans, or temporary financing.
3No Fee applies only to owner occupied single family primary residences. Does not apply to non-owner occupied rental, second homes, duplex, multi-family, bridge loans, or temporary financing.
**(APR) Annual Percentage Rate. Terms and conditions subject to change without notice. Subject to credit approval.
If the application is submitted after normal business hours, it may take up to two business days to validate your requested information.
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.
Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act)
The SAFE Act requires Mortgage Loan Originators (MLOs) employed by federally insured depository institutions to register with the Nationwide Mortgage Licensing System and Registry ("the Registry") and to maintain and renew their registration in that system annually. Click on the link below to view Centier employees registered with the Nationwide Mortgage Licensing System and Registry.