Home Equity Loan or Line of Credit

Choosing between a home equity loan and a home equity line of credit (HELOC) can significantly impact your long-term financial strategy, and our Home Equity Loan or Line of Credit Calculator makes that decision clearer and easier. By comparing interest rates, repayment terms, borrowing flexibility, and overall costs, this tool helps you see which option better aligns with your goals—whether you need a one-time lump sum or ongoing access to funds. If you’re planning renovations, consolidating debt, or financing a major expense, the calculator offers straightforward insights to guide you toward the solution that fits your needs best. We invite you to meet with our WSB Loan Officers to discuss your options.

^{Disclaimer: The results are illustrative and hypothetical in nature. Please consult a qualified financial professional for assistance.}

Our Loan Officers are available to discuss your options. They are local residents with deep roots in our communities. They care to provide personalized support and can help you decide what options best fit your financial situation. As a portfolio lender, we don't sell our loans--this is an important distinction from other banks and lenders as it allows us to provide fast decisions, flexible terms, and unique offers like Freedom 30. This exclusive offer lets you buy with today's competitive rates and lower your rate later--without the hassle of refinancing or paperwork.