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Home Equity Line of Credit

Put your home’s equity to work for you.
Home Improvements | Debt Consolidation | College Costs

With competitive rates, funds available within two weeks of application, and no annual fee for two years, we can help you take advantage of the equity in home.* Our bankers care about your financial success, so be sure to discuss your options as they work with you to find a solution that fits your needs and your budget. Stop in or apply online, today.

Home Equity Line of Credit

Take advantage of the flexibility of a line of credit with the ability to advance from your line whenever you wish.


Enjoy the flexibility of a line of credit PLUS the capability of a loan.

  • Ongoing access to the equity in your home
  • Ability to convert your credit line balances to a fixed-term loan
  • If you have 15 years or less to pay on your mortgage, the Flexline SmartLock gives you the option to pay off your mortgage without refinancing.

* Available on Home Equity Lines of Credit and FlexLines with applications submitted between 6/18/18-8/25/18 that close by 8/31/18. 2-week turnaround from application to closing is subject to satisfactory collateral valuation, income verification, and title work. Automatic payment from a KleinBank checking account required. The Annual Percentage Rate (APR) can change daily and is tied to Wall Street Journal Prime (5.00% as of 6/14/18) or floor of 3.75% whichever is greater. The APR cannot exceed 21.75%. Annual fee will be applied after third year of opening line of credit ($15 when customer pays closing costs, $50 when bank pays closing costs). Closing costs range from $450 to $1,500 based on loan amount. There are additional closing costs for loans over $150,000. Requires monthly payments with a balloon payment due at maturity. Minimum line amount of $5,000, maximum $250,000. Homeowners insurance is required. Regular credit guidelines apply.


Ready to use your home equity for a major purchase? Use our calculator to find out how much of a home equity line of credit you can utilize.

Play Video

What is a FlexLine? Watch this short video that explains how you can make the most out of your home's equity with the most flexible home equity line.


If you would like a little more help to understand how much car you can afford, set up an appointment with a KleinBank Personal Banker.