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.


  Appointment


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

• 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!

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).

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Loan product terms and rates are subject to market conditions, underwriting guidelines and credit approval/creditworthiness of the borrower(s).



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About Us

We pride ourselves on our + years of serving our communities. At CNB, building relationships is not just a way of doing business; it's our passion.


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