Home equity that works for you

We have many ways to put your largest asset to work. You can:

Make home improvements
Consolidate your debt
Borrow for college tuition
Benefits of our Home Equity program:

Competitive rates
Interest rates may be tax deductible*
*Consult your tax advisor.

Equity Choice Line of Credit
No loan fees or closing costs on loans up to $500,000
Variable interest rate
Amount of credit can be up to 89% of the value of your property
10-year draw period
Interest rate can be reduced with automatic payment plan
As the outstanding balance is paid, that amount becomes available to borrow again.
Non-owner occupied lines available
Lowest posted rate includes 1.00% discount for automatic payment plan from a Bank of the West checking account.
Equity Choice Loan: Optional conversion to a fixed-rate loan. Up to 3 at one time.
** Check Rates and Important Credit Disclosures

Our “Equity Choice Loan” feature lets you take fixed-rate loans from your Equity Choice Line of Credit (if you choose). So you can take advantage of variable rates while they’re low, knowing you always have the option of fixed value.

Learn more about the Equity Choice Loan »

Home Equity Loans
No loan fees or closing costs on loans up to $500,000
Fixed interest rate
Amount of loan can be up to 89% of the value of your property
Terms up to 25 years for smaller monthly payments
Lowest posted rate includes .25% interest rate discount for automatic payment plan from a Bank of the West checking account.
Non-owner occupied loans available
** Check Rates and Important Credit Disclosures

Home equity loans and lines of credit available for you:

Type (Owner occupied) Min./Max. Amounts Maximum % Financing**
Equity Choice Line of Credit $5,000 – $500,000*** Up to 80%
Equity Choice Line of Credit $5,000 – $500,000 Up to 89%
Home Equity/Home Improvement Loan $5,000 – $500,000*** Up to 80%
Home Equity/Home Improvement Loan $5,000 – $500,000 Up to 89%

Type (Non Owner occupied) Min./Max. Amounts Maximum % Financing**
Equity Choice Line of Credit $5,000 – $250,000 Up to 70%
Home Equity/Home Improvement Loan $5,000 – $250,000 Up to 70%

More:www.bankofthewest.com