Expert Guidance Every Step of the Way
Our experienced lending specialists will help you secure the best loan option for your needs, including our promotional HELOC rate.
Turn Your Home's Value into Unlimited Potential.
Unlock the potential of your home’s equity with Brentwood Bank's Home Equity Line of Credit (HELOC) at an exclusive rate of 4.99% APR^ for the first 12 months* then rates as low as 7.75%1. Whether you’re planning a renovation, paying for tuition, or consolidating debt, the possibilities are endless—but this offer won’t last forever.
^APR includes 0.25% discount for autopay using a Brentwood Bank account.
Local Underwriting Quick Decisions
Enjoy the convenience of local underwriting and receive fast decisions on your loan application.
Apply with Ease
Our online application makes applying for a HELOC simple and straightforward, so you can get started quickly.
Frequently Asked Questions.
What can I use a HELOC for?
Use your HELOC for home improvements, debt consolidation, tuition payments, medical expenses or other unexpected expenses life throws your way.
What happens after the 12-month promo period?
After the promotional rate, your HELOC will convert to Prime + 0% (currently 8.00%). Setting up autopay using a Brentwood Bank account lowers the rate by 0.25% to 7.75% APY.
Unlimited Opportunities Await.
This is your chance to tap into your home's unlimited potential and bring your long-awaited plans to life.
Get Started Now.
Apply online, schedule an appointment, or find your nearest branch.
Schedule an Appointment.
* Interest paid only on the amount utilized during the draw period.
Maximum APR for variable Lines of Credit is 18%.
Home Equity Loan and Lines of Credit must be secured by a one to four family owner-occupied property with a loan to value (LTV) ratio of 89.9% or less.
Property insurance is required and flood insurance may be required.
Consult with a tax advisor to determine whether the interest you pay is tax deductible.
10-Year Draw Period.
15-Year Repayment Term.
APRs are accurate as of 9/23/2024 and are subject to change without notice.
Introductory APR includes 0.25% discount for autopay using a Brentwood Bank account.
Approval is subject to Brentwood Bank underwriting guidelines.
$50 annual fee required.
Appraisal Fee ranging from $330 to $610 may be required.
An early termination fee of $500 may apply if the line is closed within 36 months of account opening.
Not eligible for the refinancing of existing Brentwood Bank lines of credit.
1 After the 12 month promotional period, the APR is based on WSJ Prime Rate, which may increase after account opening. APR includes 0.25% discount for autopay using a Brentwood Bank account.