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Home Equity Line of Credit

A home equity line of credit lets you borrow against the equity you have built up in your home.

What Is a Home Equity Line of Credit?

A home equity line of credit (HELOC) is a line of credit loan that lets you borrow money using the equity you’ve paid into your home as collateral. Once you’re approved, you can borrow up to your predetermined credit limit whenever you wish. As you repay funds, they become available for you to borrow again as needs arise.


How Does a Home Equity Line of Credit Work?

A HELOC is one of the best line of credit loans available for getting money quickly and easily. Funds can be used for a wide variety of expenses, both planned and unexpected — including things like home improvements, purchasing a car or to help cover college tuition costs or medical expenses.


The interest paid on a HELOC may be tax-deductible.* The Tax Cuts and Jobs Act temporarily suspended the deduction for interest paid on HELOCS and home equity loans in many circumstances. However, the deduction remains if the funds are used to purchase, build out or make substantial improvements on the home that secures the loan.


How to Get an Equity Line of Credit

Talk to Cadence Bank when you’re ready to apply for a line of credit loan such as a HELOC. Cadence Bank HELOCs feature competitive interest rates, reasonable closing costs, and quick and easy access to funds.


There are no application fees.


All lines of credit are subject to normal credit approval and underwriting processes.


To see if a HELOC is the right financing vehicle for you, try our calculator.


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Access the money in your home with a home equity line of credit from Cadence Bank.


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*Consult a tax advisor to determine tax-deductibility of interest.

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