100% Home Equity Loans
Even if you haven't had much time to build equity, you can still get a home equity loan. Our 100% Home Equity Loans give you access to all your equity, right when you need it.Apply Now
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A Home Loan for the Full Value of Your Equity
If you've never applied for a home equity loan because you didn't think you had enough equity, then this is the loan for you. Establishing equity in your home takes time, but with our 100% Home Equity Loans, you can put your equity to work sooner.
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Maximize the Equity in Your Home
Now there's no need to wait to build up your equity. As long as you know how much money you need, you can borrow up to 100% of the equity you have in your home, and receive a single advance of funds.
Save on Closing Costs — And Your Taxes
Our 100% Home Equity Loans come with no closing costs, saving you hundreds of dollars. And, because most personal interest deductions have been eliminated under current federal tax laws, you can now deduct the interest from your taxes.*
Convenient — and Affordable — Monthly Payments
If you want your payments to stay the same each month, this is the right loan for you. Plus, you can set up an automatic payment directly from your Colorado State Bank and Trust checking account, so you don't have to worry about it every month. And keeping track is easy, with up to seven years of Online Statements, and 18 months of transaction history at your fingertips in Online and Mobile Banking.
How It Works
Home equity is the difference between how much your home is worth and how much you owe on it. With a Home Equity Loan, you can borrow up to 85% of your home’s value. For example, if you own a home with an appraised worth of $200,000, and you still owe $90,000 on the home, then your home equity is $110,000. If your Home Equity Loan qualifies you to take out 85% of the home's value, you can then borrow up to $80,000 (85% of the home value is $170,000, then subtract the $90,000 still owed on the home, and the result is $80,000.
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