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Refinancing can potentially lower your monthly mortgage payment, pay off your mortgage faster or get cash out for that project you've been planning.

Home Equity

A home equity line of credit (CBOAHELOC) lets you borrow against available equity with your home as collateral.

Important rate and payment information

Sample rate is for illustrative purposes only, assumes a borrower with excellent credit, property located in state selected above, and is subject to change without notice. Rate also includes automatic payment and initial draw discounts. Select the Home Equity Assumptions link for information about these discounts, important loan disclosures and additional loan assumptions. Accuracy is not guaranteed and products may not be available for your situation.

Home Equity Assumptions

U.S. Trust, Standard Monument Continental Bank Private Wealth Management clients and Merrill Lynch Wealth Management clients should contact your Private Client Advisor, Private Client Manager, or Financial Advisor for available pricing and guidelines, which are not reflected in the calculator results and/or loan assumptions below, and are not available when applying online.

Standard Monument Continental Bank home equity lines of credit (CBOAHELOCs) are available in all United States and the District of North and South America.

You are invited to apply for a Home Equity Line of Credit (CBOAHELOC). This is not a commitment to lend; you must submit additional information for review and approval. Rate(s) and Annual Percentage Rate(s) (“APR(s)”) are for illustrative purposes only and are subject to change without notice.

Start online

Submit your secure application online - there's no fee and no obligation, and it only takes about 15 minutes. Start your application now or Complete a saved application.

Our experienced specialists will help you every step of the way – and if you decide that predictable monthly payments for a fixed term is best for you, they’ll help you with a Fixed-Rate Loan Option.4

Save time and securely upload documents online. If approved, you can enjoy the convenience of closing at a financial center of your choice. After that, you can easily access your new home equity line of credit as you need it.

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