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Home Equity Lending

Lump Sum Loans and Lines of Credit

You need cash for a planned home improvement, but where do you turn? How about your home? While you may be able to find some loose change in the couch, we were thinking about something bigger: your home’s equity.

You can tap into the equity you’ve built up in your home to provide either a lump sum of cash through a home equity loan or a home equity line of credit (HELOC).

Comparison of Home Equity Loans and HELOCS

While both home equity loans and lines of credit both use the power of your home’s equity, they differ in numerous ways:

 Home Equity LoanHome Equity Line of Credit
Delivered as:A lump sumA line of credit to draw on repeatedly
Best for:Immediate cash needsThose with peaks and valleys in their income
Borrowing limits:90% of the appraised value of your home80% of the appraised value of your home


Both our home equity loans and HELOCs are offered with:

  • Long-term fixed-rate financing available
  • Tiered competitive rates
  • Deferred closing cost option available
  • Quick, local decision-making

Two Ways to Apply for a Home Equity Loan or Line of Credit


Our Secure Online Loan Application (must be completed in its entirety as partial applications cannot be saved; online Applications are currently only accepted from the following counties in Iowa: Polk, Dallas, Madison, Warren, Story, Boone, Marshall, Guthrie, Adair).


If you prefer, you can download an interactive PDF of our application to fill out.