Total Equity Line of Credit

How can you take advantage of your home's equity, even if you're a new homeowner or just short on equity? That's easy: with a Total Equity Line of Credit from Colorado State Bank and Trust.

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A Line of Credit for the Full Value of Your Equity

If you've never applied for a home equity line of credit because you didn't think you had enough equity, then this is the HELOC for you. Establishing equity in your home takes time, but with a Total Equity Line of Credit from Colorado State Bank and Trust, you can borrow up to 100% of your home's available equity and 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. You can borrow up to 100% of the equity you have in your home, and write yourself a loan any time you need one.

Pay Interest Only on What You Borrow

With a Total Equity Line of Credit, you have access to 100% 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.

How It Works

Home equity is the difference between how much your home is worth and how much you owe on it. With a Total Equity Line of Credit, you can borrow up to 100% of your home’s equity. For example, if your home is worth $200,000, and you still owe $150,000 on the home, then your home equity is $50,000. With a Total Equity Line of Credit, you can then borrow up to an additional $50,000.

Apply Online

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.

SmartLock

Convert portions of your line of credit balance into fixed rate loans.

Related Products and Services

Looking for something more conventional? If a Total Equity Line of Credit isn't quite right for you, we have a variety of other products to choose from.