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Home Equity Loans and Lines of Credit

You’ve made a lot of effort building equity in your home. Now put it to work for you. With the certainty of a fixed-rate, fixed-payment loan or the flexibility of a line of credit¹ (with our smartLock option²), you can:

• Borrow at some of the lowest rates available.
• Use the money for things like consolidating debt, financing home improvements, or paying for your child’s education.
• Receive discounts for automatic payment from your Sterling checking account.
• Borrow up to 90% of your home’s equity (your home’s value minus what you owe) to obtain money right away.

¹Subject to credit approval

²You may convert all or a portion of your Home Equity Line of Credit to a fixed rate and fixed payment option. The first lock is at no additional charge. There will be a $75.00 lock fee for each additional lock. Minimum amount to convert is $5000. You can request a maximum of one (1) Fixed Rate Option in a calendar year and may have up to 3 fixed rate options in place at a time. Please refer to your loan agreement for full terms on the fixed rate option.