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Home equity line of credit

Convert the equity you’ve built in your house into a line of credit. You can draw as much or little as you want on a predetermined amount and only pay interest for the first 10 years on what you borrow. You can use funds for almost anything you want.

Apply

or call us at 877.647.5137

Benefits
  • Amounts start at $10,000
  • Funding available up to $500,000
  • Withdraw funds by check or transfer
  • Up to 10 years to draw on your line
  • Up to 20 years to repay whatever you’ve used1
  • Option to lock in a fixed rate2
Popular uses
  • Home improvement
  • Debt consolidation
  • College tuition
  • Medical or dental expenses
  • Vehicle financing

Frequently asked questions

What is a home equity line of credit?
With a home equity line of credit (HELOC), you decide when and how much to withdraw from a preauthorized amount and only pay interest on what you use.
What does "home equity" mean?
This term essentially represents how much equity is in your home, which is calculated by subtracting the unpaid balance of your mortgage from your home's current market value.
Should I choose a home equity line of credit or a home equity loan?
Generally, a home equity line of credit is a good choice if you aren't sure exactly how much money you may need and over what period of time you'll need it. A home equity loan, on the other hand, is ideal if you want access to a one-time lump sum of money and more predictable repayment terms. Get in touch with a Webster banker today for help choosing the right product for you.

Ready to get started?

Put our solutions to work for you. Contact us today.

Contact us:877.647.5137

Disclosures

1Home Equity Line of Credit: No closing costs for home equity lines of credit up to $500,000 in all states that are secured by 1-4 family, owner-occupied residences. There are no fees or costs retained by Webster Bank, but for certain loans a Structural Engineering Assessment Report or Transfer Tax may be required and the borrower would be required to pay for this as part of the loan process. Hazard insurance is required. Flood insurance is required, if applicable. Certain prepayment penalties may apply if the line is closed within the first three years. Please contact us for those amounts. There is no annual fee for borrowers with a Webster Private Checking Account relationship at the time of home equity line application. Annual fee for other account relationships is $50 per year. If you make interest only payments during the draw period, then at the start of the repayment period, your monthly payment will increase because you must now pay back the principal as well as interest. This offer is subject to change without notice. Lines are available for properties in CT, NY, MA and RI. Contact a Webster banker for availability in other states and for lines over $500,000.

2The fixed-rate option is only available during the initial line draw period (first 10 years), and available any time after the funding date and up to 90 days prior to the end of their draw period. Choose your repayment term: 5, 10, 15 or 20 years. Up to 5 Segments per account (Segment 1 is the base variable HELOC at Prime plus or minus a margin and 4 Fixed Rate Segments can be added for a total of 5). Minimum loan amounts are based on term selection. A one-time fee of $99 will be charged for each fixed segment. Fixed-segment payments include principal and interest. Ask a Webster representative for minimum loan amount requirements.

All loans and lines of credit are subject to credit approval. Please see a Webster banker for details.

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