Home Equity Line of Credit

If you've had more time to build up equity in your home, reward yourself for your diligence with the low interest rates on a Home Equity Line of Credit.

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A Flexible Home Loan for Your Changing Needs

With a Colorado State Bank and Trust Home Equity Line of Credit, you can borrow up to 85% of your home's available equity, at any time. It's like writing a loan to yourself, whenever you need it.

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Take Advantage of Low Interest Rates

You've worked hard to build equity in your home, and you deserve to be rewarded. With a Home Equity Line of Credit, take advantage of low variable rate options. Plus, you'll have a repayment term, up to 15 years.

Pay Interest Only on What You Borrow

With a Home Equity Line of Credit, you have access to 85% of the equity in your home at any time — but you only pay interest on the money you actually advance yourself. This gives you flexibility and affordability.

Quick and Easy Approval, Just Once

With our one-time approval, there's no need to reapply every time you need additional funds. You simply advance on your approved credit line at your convenience. 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.

What is Home Equity?

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).

How Do I Apply?

The application is available online and takes less than 20 minutes to complete, and may be approved online.

After your application is completed, a Relationship Banker will contact you to introduce themselves and to answer any questions you may have. Your Relationship Banker is a mortgage expert and will provide help and guidance along the way.

If your request wasn't approved online, they'll ask you for any information required to make a decision about your loan.

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Related Information

Loan Rates

Find up-to-date interest rate information on all our loans.

Related Products and Services

Looking to borrow more? If a Variable Rate Line of Credit isn't quite right for you, we have a variety of other products to choose from.