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Home Equity Solutions

Tap into your home’s rising value.

You’ve worked hard to build the equity in your home. Now it’s time to tap into the value of your home and get the financial flexibility you need. That’s why we offer an ESL Home Equity Line of Credit to help you pay for home improvements, consolidate higher-interest rate debt or build an emergency fund.

Home Equity Line of Credit

Give yourself the financial cushioning you deserve and borrow what you need, when you need it. With a Home Equity Line of Credit, funds are flexible and accessible.

Home Equity Line of Credit

Special Introductory Rate 12 Months at
4.50%APR1
with an LTV up to 90%.
THEN
8.00%APR1
with an LTV up to 80%.

Why Choose an ESL Home Equity Line of Credit?

  • Leverage your home's rising value to access more funds with lower interest rates.
  • Enjoy a low rate to kickstart your borrowing journey.
  • Keep more money in your pocket with no additional closing costs.2
  • Use your home equity to pay off higher-interest rate debts.
  • Unlock the potential to earn more each year through our Owners’ Dividend program.3

Get Started Today

An ESL Home Equity Line of Credit allows you to open doors to new financial possibilities. Our team of experts are here to help you take advantage of your home’s rising value. Why wait?

1: HOME EQUITY LINE OF CREDIT: Rate shown as of 1/1/25 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: 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.

3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.