ESL Home Equity Solutions

You’ve worked hard to build the equity in your home — now it’s time to make it work for you. With ESL Home Equity Solutions, you can turn your home equity into possibilities. Whether you want to fund spring home projects, budget more simply, handle emergency expenses, or consolidate your higher-interest rate debt, the possibilities are yours to unlock.

Home Equity Line of Credit

Leverage your home's rising value to borrow what you need, when you need it.

Home Equity Loan

Borrow from the available equity in your home with a fixed, monthly repayment amount.

Why Choose ESL Home Equity Solutions?

• More Savings: Experience no closing costs,³ lower interest rates and higher borrowing potential.
• Personalized Guidance: No matter what your situation is, we’ll help you find the right solution for you.
• Unwavering Support: Finances can be complicated. We simplify the process and help you every step of the way.
• No Surprises: You’ll know what to expect and when to expect it.
• More Chances to Earn: Get the opportunity to earn more each year in your ESL Owners’ Dividend.⁴

Turn your home equity into opportunities with ESL today.

1. HOME EQUITY LINE OF CREDIT: Rate shown as of 3/1/25 and is subject to change without notice. The introductory rate is fixed for 12 months from the time of closing. Thereafter, the contract rate is based on Prime Rate plus your contract margin and may vary monthly but never exceed 15.9%. The Prime Rate was 7.50% as of 12/19/24 and rate featured is based on a loan-to-value ratio up to 80%. There are other rates available for a loan-to-value exceeding 80%. Minimum line amount is $5,000. Offers are for new accounts only and subject to credit approval. Actual rates may vary.

2. HOME EQUITY LOAN: Annual Percentage Rate (APR) shown as of 10/31/24 and is subject to change without notice. The rate featured is based on a loan-to-value ratio of up to 80%, terms between 121-180 months and ESL listed as the first lien holder on the property. Payment example on a 15-year term, first lien position, fixed-rate loan of $50,000 at 7.25% APR (as of 10/31/24), 180 monthly payments, has a payment of $456.43. Payment example does not include amounts for taxes or insurance premiums; actual payment obligation will be greater. There are other rates available for a loan-to-value exceeding 80%, for terms between 48-240 months and other ESL lien positions. Minimum loan amount is $5,000. Rates are available to new accounts only and subject to credit approval. Actual rates may vary.

3. ESL pays for all closing costs and fees. However, if you close your account within the first 36 months of your account open date, you must reimburse us for actual costs and fees paid in connection with opening your account. Property insurance and flood insurance, if applicable, are required.

4. Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.