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Home Equity Options

Need money for home repairs, debt consolidation or another large purchase? Utilizing the equity in your home via a Home Equity Line of Credit may be an excellent option for you. A Home Equity Line of Credit is secured by a primary or junior lien on your home and can be used as a revolving source of funds to draw against for your ongoing needs.

A Home Equity Line of Credit is secured by a primary or junior lien on your home and can be used as a revolving source of funds to draw against for your ongoing needs. During your draw period you are able to borrow funds at a variable interest rate, repay them and borrow again. At the end of the draw period, your outstanding balance will be converted to a term loan with a variable rate and payment amount during the length of your repayment period.

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One of the great things about a Home Equity Line of Credit is that you can utilize the line whenever you need access to funds. Whether it is for remodeling your home, buying a second home, paying for college tuition or any other large purchase you may have, the line is available for you to use whenever necessary.

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Interest rates on Home Equity Lines of Credit are often lower than many credit cards and personal loan rates, and NBT Bank offers no annual fee. Payment terms can be customized to fit your needs with options of either interest-only payments or principal plus interest payments during the draw period. Principal and interest payments will be required after the draw period ends. You can also receive an interest rate reduction when you choose automatic payment from your NBT checking or money market account.

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Loan Process

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Loan Rates

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Loan Calculators

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