Home Equity

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Loans & Lines

Home Equity Loans & Lines of Credit

Community First Bank offers Home Equity Lines of Credit (HELOCs) and Loans. Competitive interest rates, low monthly payments, and tax deductibility (consult your tax advisor) make our Home Equity products the smart choice for financing:

  • Home improvements
  • Debt consolidation
  • Vehicle purchases
  • Education expenses
  • Unexpected expenses

Features and Benefits

  • Multiple loan-to-value options available
  • Flexible terms
  • Fixed and variable interest rates available
  • No prepayment penalty
  • Quick local decision process

Introductory Rate Special

Home Equity Lines of Credit (HELOCs) are now available at an introductory rate of 1.99% APR* for six months for qualified borrowers.

*Introductory Annual Percentage Rate (APR) available on loans up to 90% combined loan-to-value, borrower credit score of 640 or higher, and is subject to credit approval and accepted terms. The introductory 1.99% APR is locked for six months from date of closing. After the six month introductory period, the variable APR is based on Prime Rate as quoted in the Wall Street Journal, plus a margin which may change at any time and is subject to change without notice. The APR will not go below 4.00% or exceed 18.00%. Standard closing costs apply. The collateral must be an owner-occupied residence and have full hazard insurance coverage. HELOC loans are subject to a $25 annual fee after the first year. Current HELOCs with Community First Bank are not eligible for the introductory rate. Promotion ends December 31, 2021. NMLS#402953.

Call or Contact Us to learn more about your options.