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Line of Credit (HELOC)

Try using a revolving line-of-credit.  ​You're able to borrow from your home as a line of credit, similar to borrowing with a credit card. You can borrow what you need, as you need it, up until you reach your credit limit. It’s an easy way to borrow cash when you need it.


  • Revolving line of credit for anything, anytime
  • Borrow up to 100% of appraised property value
  • Maximum of $400,000
  • Low variable rates and minimum payments
  • Pay interest only on the amount used
  • Payments are based on amount actually used, not on the amount of your line of credit
  • No annual fees

Other considerations for a line of credit:

  • Managing cash shortfalls
  • Car or home repairs
  • Unexpected family expenses

How much equity do I need in my home to take out a Trona Valley Home Equity Loan or HELOC?

The amount of equity you currently have in your home will determine the Home Equity Line of Credit (HELOC) limit or Home Equity Loan value. Contact a Mortgage Specialist at Trona Valley to determine your estimated credit limit or loan value amount.

*Based on approved credit.