Home Equity Loans

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Unlock the Value of Your Home

A home equity loan can be a powerful financial tool for homeowners who need access to funds for major projects, debt consolidation, or other important expenses. With our fixed rates, predictable payments, and flexible use, we can help you use the value of your home to explore new possibilities.

Beyond providing access to your home’s equity, our home equity loan also offers added value through competitive rates that help keep borrowing affordable. You’ll benefit from quick local processing for a smooth experience from application to approval. Plus, depending on your circumstances, the interest you pay may even be tax-deductible. *

Flexible Use of Your Equity

  • Home renovations or repairs 
  • Debt consolidation 
  • Education expenses 
  • Medical bills 
  • Major life events or emergencies 
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Ready to get Started?

Chat with one of our loan officers to find out how to get started.

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Learn About Your Finances

Helpful Tools for Homeownership

Explore lessons on home ownership, budgeting, and mortgage basics, with our complimentary Financial Focus tool.

Financial Focus

Explore Additional Loan Options

Explore our loan options for home improvements, homeownership, and personal goals, to meet all of life's needs.
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Unlock Equity

Home Improvement Loans

Finance home improvement projects with competitive rates.
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Your New Home

Mortgages

Great for home buying, refinancing, or home construction.
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Flexible Options

Personal Term Loans

Fund almost any dream, goal, or plan affordably.
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Revolving Credit

Premier Line of Credit

Competitive rates for a wide variety of personal needs.
A senior couple painting a wall blue

Unlock Equity

Home Improvement Loans

Finance home improvement projects with competitive rates.
A couple laying on the floor of their new home

Your New Home

Mortgages

Great for home buying, refinancing, or home construction.
A couple on their wedding day

Flexible Options

Personal Term Loans

Fund almost any dream, goal, or plan affordably.
A couple walking through the airport with their bags

Revolving Credit

Premier Line of Credit

Competitive rates for a wide variety of personal needs.

Home Equity Loan vs. Line of Credit

While a home equity loan and a home equity line of credit both let you borrow against the equity in your home, they work a little differently. Depending on your needs, we can help you consider the differences between the two and find the solution that fits you best. 

 

Home Equity Loan
One lump sum, fixed rate, and predictable payments. Set monthly payments over a specific term, ideal for those who need a defined amount for one-time expenses such as home renovations, debt consolidation, or large purchases. 

Home Equity Line of Credit1 
Flexible borrowing, variable rate, only pay interest on what you use. Works more like a credit card with a revolving line of credit that you can draw from as needed, better suited for ongoing expenses like tuition or multiple projects over time. 

Did You Know?
Home equity loans and lines of credit usually have lower interest rates than a credit card or personal loan. And the interest you pay on your home equity loan or line of credit could be tax deductible. * 

 

1Fees may apply. Please contact your local branch for more details. 

All loans subject to credit approval. Property and flood insurance (if applicable) are required. Contact your Isabella Bank for more details.

*Consult a tax advisor.