Home Equity Lines of Credit (HELOC)
Get quick access to the equity in your home, with a No Closing Cost Home Equity Line of Credit. Whenever and wherever you need the money, it's a loan that's ready when you are.Apply Now
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What Makes Our Home Equity Lines of Credit Stand Out?
Pay Interest Only on What You Borrow
How To Leverage Your Home’s Equity
The equity in your home can be a valuable resource for your financing needs. But there are two different ways to leverage that equity. Watch this short video to help determine which option is best for you.
COMPETITIVE INTEREST RATES
Our Home Equity rates are competitive so we can keep your costs down.
Home Equity Line of Credit
If you've had more time to build up equity in your home, a Colorado State Bank and Trust Home Equity Line of Credit will reward you for your diligence with low interest rates that let you borrow on up to 85% of your home's available equity.Learn More
Get the best of both worlds with SmartLock.* Using it, you can convert portions of your line of credit balance into fixed rate loans. This gives you the confidence of a fixed rate when you know exactly how much you'll need to take out, while still giving you all the flexibility of a home equity line of credit. Available on our Home Equity Line of Credit .Learn More
Total Equity Line of Credit
It can take time to build up equity in your home, but that shouldn't stop you from taking advantage of what you already have. With a Colorado State Bank and Trust Total Equity Line of Credit, you can borrow up to 100% of your home's available equity.Learn More
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How Much Can I Borrow from my HELOC?
Depending upon the market value of your home, outstanding mortgage balance, credit history and other factors, you may qualify for a home equity line of credit. Monthly payments on a Home Equity Line of Credit (HELOC) are variable as they fluctuate with interest rate changes. Use this calculator to estimate your borrowing capacity. (Subject to underwriting guidelines, including limits on maximum loan to value.)Calculator
Your Financial Resources
Colorado State Bank and Trust is with you on every step of your financial journey. Here are some tips that might help you along the way.