Home Equity

Home Equity Loans & Lines of Credit

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Loan Type	Home Equity Line of Credit (HELOC)	Home Equity Loan
Features	The HELOC serves as a reusable credit line	The full amount of the loan is advanced at the beginning of the loan
Interest Rate	Variable Rate	Fixed Rate
Term	10 year draw period	10 to 15 years
Accessibility to Funds	Use the funds simply by writing a check	Receive the full loan amount at once
Payments	Interest only payments each month during the 10 year draw period	Principal and interest payments each month during the term you choose