Home Equity Lines of Credit

Borrow what you need, when you need it

Be prepared for big or unexpected expenses—from college costs to a major remodel

With a home equity line of credit, you can tap into the money any time you need it, borrowing only as much as you need. You can use the money for anything from remodeling your home to paying for college.

HELOCs are great when you know that you’re going to have ongoing expenses. You can access the money at a branch, ATM, online, or by phone.


Create an account and complete your application

Enter your information to get the process started.

Get Started


Get approved

We’ll review your application and give you an answer in about a week. 1


Use the funds

If you’re approved, you’ll have access to the money in about 30 business days.2

No, there are no limitations on how you can use the money from a home equity line of credit. While many people use their home equity line of credit to finance a remodel, you can also use your it to consolidate your debts, pay for college or other education costs, or cover any other large or unexpected expenses.

In many cases, we can give you an answer in about a week. However, if we have to ask for additional paperwork to support your application, then your decision could take a little longer.

With a home equity line of credit, you’re using your home as collateral. If something happens and you default on the payments, the lender can foreclose, and you would lose your home.

It’s also possible that the value of your home could decline over time. If that happens and you need to sell your home, you could owe more money than your home is worth.

Your credit score affects the interest rate you qualify for when you apply for a loan or line of credit. With a higher credit score, you can usually qualify for a lower interest rate, which lowers your monthly payment and reduces the overall cost of borrowing.

If you’re not sure what your credit score is, you can request a free copy of your credit score every 12 months from https://www.freecreditreport.com/. If your credit score isn’t as high as you’d like it to be, here are some tips for improving your credit.

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Whether it’s in a branch or over the phone, you’ll always talk to a real person.

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Get in touch with a real specialist expert at Global to discuss a home equity loan, home equity line of credit (HELOC), or land loan.

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1 Loan decision may take longer if additional documentation is required to prove creditworthiness.

2 Deposits may take longer if we cannot verify your account information.