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