Home Equity
Put the equity you've built in your home to work. Whether you're planning a home improvement project, consolidating expenses, or preparing for a major purchase, State Bank & Trust Co. offers home equity solutions designed around your goals and financial needs.
What route is best for you?
| Home Equity Line of Credit (HELOC) | Home Equity Loan |
|---|---|
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A Home Equity Line of Credit gives you flexible access to funds based on the equity in your home, allowing you to borrow as needs arise. Access only the amount you need, when you need it, with payments that adjust based on your outstanding balance. |
A Home Equity Loan provides a one-time lump sum based on the equity in your home, with predictable payments and a structured repayment schedule. Fixed monthly payments make it easier to plan and budget with confidence. |
When Home Equity Lending May Be a Good Fit
- Financing a home improvement or renovation project
- Accessing funds for a major purchase or expense
- Comparing a Home Equity Loan and Home Equity Line of Credit (HELOC)
- Looking for guidance before deciding which option to choose
What Working with SBT Looks Like
Because your loan stays local, you'll work directly with lenders who take the time to understand your situation and provide guidance throughout the process.
- Designed around how you plan to use the funds
- Flexible options that can adapt as needs change
- Local lending decisions made close to home
- One lender guiding the process from application through closing
Meet Our Lender
Tyler Davis
Asst. Vice President
NMLS# 2421685
Ready to Get Started?
A conversation with our team can help you understand your options and determine which home equity solution best fits your goals.
NMLS #446083
