Unlock the potential of your property or home with our flexible Home Equity Loans and Lines of Credit (HELOC) options, including our new fully-amortized fixed rate home equity loan. Whether it's your primary residence, a second home, or an investment property, our revolving line of credit and fixed rate loan options are designed to empower you with financial freedom and flexibility.
Use the equity in your home to fund a diverse range of personal needs, from transformative home renovations such as a kitchen remodel, expanding your property with an additional dwelling unit, or replacing your roof.
Key Benefits:¶
- Versatile Financing: Use the payment flexibility of a revolving line of credit (HELOC) for a diverse range of personal needs or opt for the stability of our new fully-amortized fixed rate home equity loan to lock in predictable payments over the life of the loan.
- Realize Your Dreams: Access funds for significant life events like home improvements, weddings, dream vacations, or to consolidate and pay off existing debts.
- Financial Security: Enjoy the peace of mind of having a readily available line of credit to handle unexpected expenses, ensuring that you're always prepared for whatever life may bring.
With our Home Equity Line of Credit options, including the new fully-amortized fixed rate home equity loan, you'll have the financial support you need, precisely when you need it.
Contact us today to learn more about how our HELOC options can empower you to achieve your financial goals.
Features¶
When you open a HELOC with American Riviera Bank®, you’re borrowing against the available equity in your home up to a maximum loan-to-value that is based on the amount of your credit line*. The interest rate on HELOCs is based on Wall Street Journal Prime (“Prime”), and you’ll receive monthly statements showing you your available balance and monthly payment owed. Interest may be tax deductible, so consult with your tax advisor for additional details. Fees also apply. Speak with your American Riviera Bank loan officer for information on costs associated with the HELOC.
Each time you pay down the balance on your HELOC you’ll have direct access to your available credit through online banking or by using special checks at any time during the remaining draw period. At the end of the draw period, pay off the remaining balance or consider rolling the balance into a new mortgage with American Riviera Bank®, subject to credit approval.
Start your application online today or reach out to one of our experts below - we are happy to walk you through the process!
*Subject to credit application and approval.
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