Equity Access - There When You Need It
If you want easy access to a line of credit that you can borrow against anytime you need a loan, then our Equity Access loan may be your best option. With an Equity Access loan, you can be prepared for any emergency or ready for those annual bills, such as college tuition costs, without the trouble of completing another loan application.

Our Equity Access lines of credit start as low as $10,000 and go up to $100,000. Credit lines are determined by the amount of equity in your home. The line of credit remains open for up to ten years. You have 15 years to pay the loan off completely.

Equity Access is a variable rate loan with a five-percentage point cap. Payment adjustments occur only every 12 months and at the time an advance is taken on the line of credit.

You may roll the closing costs of your Equity Access Loan into the loan proceeds. Some of the closing costs for an Equity Access line include a title opinion (only if Line of Credit exceeds $50,000). An appraisal should be obtained as needed, as well as a flood certification.

Equity Access loans are only available in North Carolina.

Tax Deductible
The interest you pay on either of our Home Equity products may be tax deductible.  Consult your tax advisor to find out if you would be eligible for a tax deduction.
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