Home equity Line of Credit

You worked hard for your home - it's time to let it work hard for you.

Whether you want to set up an affordable, predictable payment schedule or have ready access to your home's equity, Heritage Oaks Bank will structure the right solution for your needs. Take advantage of your home’s increased worth with a Heritage Oaks Bank Home Equity Line of Credit.

Account Features:

  • Loan amounts from $25,000
  • Available on primary residences as well as second homes
  • Dedicated loan advisors
  • Fast access to your cash
  • Home Equity credit offers low interest rates and may be tax deductible1


We’ll help pay certain loan fees when you set-up automatic payments from your Heritage Oaks Bank checking account on lines of credit up to $250,000.2

Great rates, fast access to your cash and flexible repayment options.

To learn more about our Home Equity Loan options, visit a Financial Services Representative at any of our Central Coast locations, call us at 805.369.5200 or simply click on the Request More Information button above.

  1. All loans subject to credit approval. Consult your tax advisor regarding deductibility of interest.
  2. When you maintain a checking account with Heritage Oaks Bank and the loan is on auto-pay, the following fees will be waived for credit lines in the amount up to $250,000: Title & Recording Fee, Appraisal Fee (up to $500) and Flood Certificate Fee.