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HELOC Program

Access the equity in your home with our Home Equity Line of Credit. With a 20-year term and flexible payment options, a SmartBank HELOC makes it easy to access liquidity how and when you need it.

  • 20-year term, 10 years interest only. After 10 years, principal and interest based on a 10-year amortization
  • Competitive rates based on borrowers’ credit score(s)
  • 0.25% rate discount for loans that are auto-drafted from a SmartBank deposit account
  • Loan amounts starting at $10,000
  • Loan to Value up to 89.9%, based on combined mortgage debt
  • Minimum credit score of 680 required
Borrower must meet one of the requirements for Private Banking. Subject to underwriting and approval.