Home Equity Loans & Lines of Credit

Consolidate your debt into one, low monthly payment. Make repairs or upgrades to your home. Pay for your children’s education. Take the vacation of a lifetime. The possibilities are endless—and within reach!

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Fixed-Rate Home Equity Loan

A fixed-rate home equity loan lets you borrow against your home’s equity and repay it with low, predictable monthly payments.

  • Borrow up to 100% of your home’s equity or $250,000 maximum
  • Low interest rates
  • Flexible terms from 5-20 years
  • No points
  • No closing costs on loans up to $30,000 for 10 years or less

Variable-Rate Home Equity Line of Credit

A variable-rate home equity line of credit (HELOC) is a flexible way to draw on your home’s equity for virtually any use. Low monthly payments make this a great way to maximize the investment in your home.

  • Low introductory rate
  • Borrow up to 80% of your home's equity or $250,000 maximum
  • No points
  • No closing costs

Interest-Only Home Equity Line of Credit

An interest-only home equity line of credit (Interest-Only HELOC) lets you maximize your home's equity while keeping your payments even lower with more flexibility. 

  • Choose to pay only the interest on the money you borrow for up to 10 years
  • Low introductory rate
  • Borrow up to 80% of your home's equity or $250,000 maximum
  • No points
  • No closing costs

Properties must be a primary residence located in Maryland, Pennsylvania or Delaware.

Home Equity Loan Rates

Product APR as low as Points Monthly Payment (per $1,000)
5 Year Fixed 4.25% None $18.54
10 Year Fixed 4.50% None $10.37
15 Year Fixed 4.99% None $7.91
20 Year Fixed 7.50% None $8.06
Standard Line of Credit (introductory rate) 0.99% None --
Interest Only Line of Credit (introductory rate) 0.99% None --
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Home Equity Loan: Borrow up to 100% Loan-to-Value or $250,000 maximum. Standard Line of Credit: 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 6 months, after which the rate will adjust to the Prime Rate with a floor of 5.25% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 10.25% APR. Minimum loan amount is $7,500. Borrow up to 80% Loan-to-Value or $250,000 maximum. For every $1,000 borrowed at .99% APR your payment will be $7.75 monthly with a minimum monthly payment of $100. For every $1,000 borrowed at the current rate of 5.25% APR your payment will be $11.25 monthly with a minimum monthly payment of $100. Interest Only Line of Credit: 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 6 months, after which the rate will adjust to the Prime Rate with a floor of 5.25% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 10.25% APR. You may choose to pay only the interest on the money you borrow for 10 years from the date the loan is established (draw period). Minimum payment will not repay principal, which will result in your payment increasing at the end of the 10-year draw period. Minimum loan amount is $7,500. Borrow up to 80% Loan-to-Value or $250,000 maximum. For every $1,000 borrowed at .99% APR your payment will be $0.81 monthly if you choose to pay only the interest. For every $1,000 borrowed at the current rate of 5.25% APR your payment will be $4.31 monthly if you choose to pay only the interest. Excludes current Point Breeze loans. Consult with your financial advisor about potential tax savings. Please speak with a Point Breeze loan officer for more information.