What Is a HELOC?

A HELOC is a revolving line of credit secured by your home’s equity. Think of it as a flexible financial tool—you can borrow, repay, and borrow again during your draw period. It’s perfect for projects and expenses that unfold over time.

How Homeowners Use a HELOC

Your goals are unique and so are the ways a HELOC can support them. Here are a few of the most common ways homeowners use their home’s equity:

Home renovations and upgrades – remodel your kitchen, finish your basement, or add that long-awaited deck.
Debt consolidation – pay off high-interest credit cards or personal loans and simplify your payments.
Major life events – weddings, travel, or family milestones.
Unexpected expenses – cover medical bills, car repairs, or other surprises without dipping into savings.

A HELOC gives you the flexibility to use your funds when and how you need them, helping you move forward with confidence.

Let’s put your home’s equity to work for you.

Start Your Application

How to Prepare

Detailed home plans & cost estimates from your builder
Builder’s contract & credentials
Proof of income and credit history
Land purchase documents (if applicable)
Pre-approval application

Lock in your loan today and enjoy a seamless transition from construction to move-in.

Start Your Application

HELOC Resources

Discover expert insights and resources to guide you through every step of your homeownership journey.

Meet Our Mortgage Team

Connect with a local lender for personalized guidance.

Brett Kemmer

Mortgage Loan Officer
NMLS #411288

Chris Ryder

Mortgage Manager
NMLS #481034

Kaylea Payer

Mortgage Loan Officer
NMLS #2284901

Margaret Tozier

Mortgage Loan Officer
NMLS #402052

Samantha Paris

Mortgage Loan Officer
NMLS #979978

Nathan Wester

Mortgage Loan Officer
NMLS #2486978

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Your home can do more than provide comfort, it can help you reach your next big goal

Unlock the Power of Your Home’s Equity