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Home Equity Lines of Credit (HELOCs)

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Some homeowners live in their “Dream Home”, yet neglect to add landscaping into their budget. When you have equity in your home, it is a powerful, cost-effective tool that can be used for almost anything, like a new vehicle, home repairs, or sprucing up your backyard patio.

Don’t worry if you want a HELOC loan and your mortgage loan is at another financial institution. You can still apply for your HELOC loan at Crossroads Bank.


What is it?

dream house with stone and yellow siding

A Home Equity Line of Credit (HELOC) is a powerful tool with unbelievable rates.

Our HELOC is smart money management and then some. First, it offers a cost-effective way to use the value of your home to pay for major purchases NOW! You may even be able to borrow up to 90% of your home’s value. Then, you can use this line of credit for anything — debt consolidation, home improvements, college, or that dream vacation you’ve longed to take.

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How to Apply

Please provide the following documents along with the completed Home Equity Loan Application to speed the processing of your application:

  • Copies of the last 2 years W-2’s
  • Copies of the most recent paystubs
  • Copies of the last 1 months bank statements for all accounts
  • If you are self-employed or receive commission income, copies of the last 2 years complete income tax returns – be sure to include all schedules and attachments
  • Current real estate bill

Please stop by and pick up an application at any of our branches!