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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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3.99% Promotional annual percentage rate (APR) for the first 90 days
After the promotional period expires, the APR will adjust monthly based on the movement of the Wall Street Journal Prime Rate plus a margin. The index is the Wall Street Journal Prime Rate. Based on the current Wall Street Journal Prime Rate and a margin of 0.00%, the current APR would be 6.75%.
Your promotional rate and margin may be higher depending on your credit qualifications.
Your APR will never exceed 18%.
5-year draw period followed by a 20-year repayment period.
Credit lines available up to $400,000, subject to terms, conditions, and credit qualifications.
The APR provided is based on our No Closing Cost promotion, which is available only for owner-occupied primary residences.
Annual maintenance fee of $50 after the first year.
Property and hazard insurance are required.
Consult a tax advisor regarding the deductibility of interest and other charges.
Subject to credit approval.

Interest rates current as of December 11, 2025. 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 monthly payment may be higher depending on your credit qualifications. The monthly payment amounts shown do not include amounts for real estate taxes or homeowners insurance premiums. If an escrow account is required or requested, your actual monthly payment will be higher. Property and hazard insurance are required. Consult a tax advisor regarding the deductibility of interest and other charges.

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3 Year Term	5 Year Term	10 Year Term	15 Year Term
6.75% Interest Rate	7.00% Interest Rate	7.50% Interest Rate	7.75% Interest Rate
7.362% APR	7.38% APR	7.706% APR	7.899% APR
$769.08 Monthly Payment	$495.03 Monthly Payment	$296.76 Monthly Payment	$235.32 Monthly Payment

All loans are subject to credit approval. Interest rates current as of November 5, 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.