Home Equity Lines of Credit

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Need more room to roam? We can help!

Whether your home needs a little more elbow room or a total makeover, our Home Equity Line of Credit (HELOC) is here to help! This loan uses the money you’ve already invested in your home to provide options for remodeling, add-ons, or other visions for your dream home. You may also use the money for any other priorities in your life, such as consolidating your bills, taking a vacation and more! And since you only pay the interest on what you borrow during the withdrawal period and can use it as revolving credit, this loan offers flexibility and options. Stop by your nearest branch and review your options today!

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It has never been easier to apply for a loan from City National Bank. Need extra cash? Apply from the comfort of your home.

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Apply At Any Branch

Visit any City National Bank location to apply for a mortgage or home equity line of credit. Click below to find the branch nearest you.

Locations

Appointments

Need to talk to one of our loan professionals? Schedule an appointment and we will be glad to walk you through the process.

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More Loans

What we Offer Home Equity Lines of Credit and Loans come with these features.

Flexible borrowing options

Only pay the interest on what’s borrowed during withdrawal period

Can be used as revolving credit

Suitable terms in relation to loan

Competitive interest rates

Requirements
Tools & Resources
Loan Calculator
Disclosure

• Valid, government-issued photo identification
• Social security card (for non-customers)
• Pay verification (Tax Return, W-2, Paystubs, etc.)
• Pertinent home information (Address, Real Estate Contract, Construction Budget, Insurance, etc.)

Save time and fill out your loan application before visiting a branch!

The calculators on this website are being provided for educational purposes only. The results are estimates based on information you provide and may not reflect actual results. The results of the calculations are not a promise or guarantee of a customer’s eligibility or terms for a specific product or service. City National Bank is not responsible for the content, results, or accuracy of the information on the calculators. The calculations are hypothetical examples designed to illustrate the impact compounding can have. The examples are not representative of any investment class or specific security. Actual returns and principal values will vary.

1). Loan terms and rates are subject to credit approval. (2.) Certain restrictions apply. (3.) Interest rates as low as 8.25% APR (Annual Percentage Rate). Up to 80% LTV (loan to value) for credit scores as low as 640. Up to 85% LTV for credit scores 700 and higher. DTI (debt to income ratio) up to 43% to include new payment. As short as 6 months employment on the current job with 2 years verifiable work history or any length of time for non-employment income to include retirement, Social Security, etc. Collateral must be personal primary residence. 8.25% APR is 12 month introductory rate subject to adjust annually to Wall Street Journal Prime plus a margin (margin from 0% - 2.5% based on credit score). Real Estate rates are not discounted based on AFT (Automatic Funds Transfer).