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father and daughter backing - it's good to be home

rates as low as 4.00% APR*

Our Home Equity Line of Credit is ideal for big or small projects.
Rates as low as 4.00% APR¹
Interest only payments available²
Low, competitive rates

Ongoing access to the equity in your home
Flexible terms to meet your needs

apply now

¹ Annual Percentage Rate available on lines of credit with a minimum term of five years with bank paid standard closing costs. The APR can change daily and is tied to Wall Street Journal Prime (4.25% as of 8/29/17) or floor of 3.75% whichever is greater. The APR cannot exceed 21.75% and the floor is a standard 3.75%. Floor rate accurate as of 09/15/17. Rate will be determined with credit decision and will be higher if you do not meet the following: credit score of 740 or above, debt-to-income ratio of 20% or less, and loan to value of 80% or less, and automatic payment is required from KleinBank account. Annual fee of $50 will be applied after first year of opening line of credit. Requires monthly payments with a balloon payment due at maturity. Minimum line amount of $5,000, maximum $250,000. Homeowners insurance is required. Qualifications apply to primary residences only. See your tax advisor for tax benefits. If line is not maintained for three years, customer is responsible for closing costs. Closing costs range from $450 to $1,500 based on loan amount. Regular credit guidelines apply. Other products and terms available including secondary residences. ² HELOC only. 

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Check out how a Home Equity FlexLine can give you even more flexibility when it comes to putting your home's equity to work for you.


Use our Home Equity Debt Consolidation Calculator to help you determine how a Home Equity Line can help you with your monthly finances.


If you would like a little more help to understand if a Home Equity Line of Credit is right for you, set up an appointment with a KleinBank Personal Banker.