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Home Loans

Conventional, Lot, Land, FHA, VA, USDA?
Let us help find the right mortgage for you!

Mortgage Loan Types

Conventional, Lot, Land, FHA, VA, USDA – there are so many different kinds of mortgages! We made a short video explaining each of them, so you can make an informed decision.

Home Equity Line of Credit

Home Equity Lines of Credit (HELOC) can help you jumpstart your next big project! Whether you’re getting ready to remodel your kitchen or buy your dream car, these lines of credit help you take that next step to make your life better.

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7.50% APR
5-year draw / 20-year repayment period
Lines up to $400,000, based on terms & conditions
A promotional APR of 2.99% will apply for the first 90 days of the loan.
After the promotional period expires, the APR will adjust monthly based on the movement of a rate index plus a margin.
The index is Wall Street Journal Prime.
A margin we have used recently is 0.00%, resulting in an APR of 7.50%.
Your promotional rate and your margin may be higher depending on your credit qualifications.
Your APR will never exceed 18%.
You will have to pay an annual maintenance fee of $50 after the first year.
Property and Hazard insurance are required.
Consult a tax advisor about the tax deductibility of interest and other charges.
No Closing Cost promotion is only available for your Primary Residence.

Interest rates current as of December 19, 2024. Rates subject to change without notice.

Home Equity Installment Loan

Home Equity Installment Loans allow you to borrow the amount you need to pay for higher education, start your next renovation, or make a needed larger purchase.

The rates and payments below are based on a credit score of 740 or higher and a loan amount of $25,000. Your rate and payment may be higher depending on your credit qualifications. Property and hazard insurance are required. Consult a tax advisor about the tax deductibility of interest and other charges. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

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3 Year Term	5 Year Term	10 Year Term	15 Year Term
6.50% Interest Rate	6.75% Interest Rate	7.25% Interest Rate	7.50% Interest Rate
7.115% APR	7.135% APR	7.460% APR	7.653% APR
$766.28 Payment	$492.15 Payment	$293.57 Payment	$231.83 Payment

Interest rates current as of June 20, 2025. Rates subject to change without notice.

Helpful Videos

Credit Scores

What’s a credit score and how do lenders use them to determine eligibility for loans?

Comparing Interest Rates

Comparing interest rates is a good thing, but are you comparing apples-to-apples?

Appraisals vs Inspections

Learn what makes appraisals and inspections unique and essential to the home-buying process

Home Buyers Grant Opportunities

There are grant opportunities available to qualified first-time home buyers through various programs.

Learn More

Meet Our Lenders

When you get a mortgage with Home Bank, you get a helping hand from real people who know just how important your home is to you and your family. Our expert lenders are happy to answer any questions you have along the way.