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Home Equity Line with Lock Option (HELLO)

Draw what you need. Lock in your rate. 

Looking for a better way to access the equity in your home?

Our Home Equity Line with Lock Option allows you to convert any or all of your line of credit from a variable rate to a fixed rate and term. Make home improvements or repairs, consolidate high-interest debt, pay for school tuition or life events — without worrying about rising rates.

  • Low rates and easy payments
  • No closing costs
  • Borrow what you need, when you need it
  • Only pay on what you use
  • Lock any or all of your line to a fixed-rate advance
    • Choose your repayment term for the fixed-rate advance
    • Up to three fixed-rate advances at a time
    • As you pay down your balance, your available credit increases


Home-Depot-Gift-Card.png
Take home a $50 gift card to The Home Depot®1 at closing when you apply by October 31, 2018
 

It's easy to apply!

Call, click, or visit a branch to get started.


To see important details, including additional rates and terms, visit the Consumer Loan Rates Page.

1. Must apply between 8/28/18 and 10/31/18, to qualify for the $50 The Home Depot® gift card. Gift card to be issued at loan closing. St. Mary’s Bank is not affiliated with The Home Depot®. The Home Depot® is not a sponsor of this promotion. The Home Depot® is a registered trademark of Home Depot Product Authority, LLC.