Home Equity Lines & Loans

The equity in your home can finance your dreams.

Whether you are looking to renovate your home or take a special vacation, you may be able to use the equity in your home for financing.


Home Equity Line of Credit  

Two River Community Bank’s Home Equity Line of Credit (HELOC) is convenient, flexible and offers some of today’s most competitive rates. A HELOC is similar to a home equity loan, except that money can be taken out as needed rather than as a lump sum. It is an ideal way to leverage the equity in your home to manage periodic expenses, or to have funds available in case of emergency. 


Once you are approved for an amount, you can borrow and repay repeatedly without additional paperwork. Another benefit of a HELOC is that you only pay interest on the money you have actually borrowed. Best of all, the interest on your line may be tax deductible.1


  • Use convenient line of credit checks to access your line 
  • Loan amounts up to $350,000 
  • Low variable rate 
  • No application fees 
  • No appraisal fees on loan amounts up to $250,000 
  • Pay off principal at any time without penalty2 


Download the Home Equity Line of Credit Application now.


Home Equity Loans

If you would like to use the equity in your home for a one-time purchase, you may wish to consider a Home Equity Loan, which is a fixed-rate first or second mortgage that allows a homeowner to borrow against and use the equity in their home or other qualifying real property. Like a line of credit, interest on the loan may be tax deductible.1


  • Predictable monthly payments that stay the same no matter how the economy or interest rates may change 
  • Borrow a fixed amount based on the equity in your home 
  • Repay loan over time with a fixed rate and flexible terms 
  • Loan amounts up to $350,000 
  • No application fees 
  • No appraisal fees on loan amounts up to $250,000


Download the Home Equity Loan Application now.



For more information about Home Equity Lines and Loans from Two River Community Bank, visit your local branch or contact us.



1Please consult your tax advisor. Subject to credit approval.


2Borrower agrees that if the HELOC facility is paid off and terminated by Borrower within the first 36 months after the date when the account is opened, which is the date when funds are first made available to Borrower under the HELOC facility, Borrower shall be obligated to reimburse Lender for the full amount of all bona fide third party charges actually incurred by Lender in connection with the origination of the HELOC facility and disclosed to Borrower, including all third party charges for settlement services but excluding the full amount of all charges for any such services as are provided by any settlement service provider which is affiliated with Lender or which has, in connection with such settlement services, provided Lender with anything of value.