Unlock Financial Flexibility with a Home Equity Line of Credit
A Home Equity Line of Credit (HELOC) from Town Center Bank offers the flexibility you need to access funds for both immediate and future expenses. Whether you’re financing your child’s education, paying off higher-interest loans, remodeling your home, purchasing a vehicle, or covering other major costs, our HELOCs provide the perfect solution. With no application fee and the ability to draw funds as needed, you’ll enjoy a convenient and cost-effective way to manage your financial goals.
Tailored Home Equity Loans for Your Specific Needs
When you need a set amount of money for a specific purpose, a Home Equity Loan from Town Center Bank is the perfect choice. Our Home Equity Loans feature competitive rates designed for short-term or one-time financial needs, along with flexible repayment terms that fit your budget. Whether you’re tackling a home improvement project or consolidating debt, our expert team is here to guide you every step of the way, ensuring a seamless borrowing experience.
Exceptional Service from Start to Finish
At Town Center Bank, we pride ourselves on providing helpful and friendly service throughout the entire borrowing process. Whether you’re exploring a Home Equity Loan or a HELOC, our experienced team is dedicated to finding the right solution for your financial goals. From competitive rates to flexible terms, we make it simple to unlock the value of your home and take control of your finances. Let Town Center Bank help you achieve your dreams with personalized support and expert guidance.
Meet Our Experienced Mortgage Lending Expert
Gina Persiani
As Vice President of Mortgage and Consumer Lending, (NMLS#512344) Gina thoroughly understands how to tailor your new purchase loan or refinance for your goals and unique financial situation. With Gina’s personal attention and award-winning speed, you will be clear to close in record time!
Contact Gina at g.persiani@towncenterbank.net or call 815-463-7040
Discover the difference personalized service makes—contact Town Center Bank today to explore your options and take the next step toward financial freedom
Disclaimer:
Completed applications must be submitted by 05/31/2025 to be eligible for this offer. New lines of credit only. If a borrower has had a HELOC within the last 36 months, the promo rate will not apply, unless they sold that property and bought a new one. Increases on existing home equity lines of credit are not eligible. New households only. Primary residences only. One per customer per property. The Annual Percentage Rates (APRs) are accurate as of 02/21/2025. The total term of the Home Equity Line of Credit (HELOC) is 120 months. For the life of the line, the “Draw Period”, the APR is a variable rate based on an index of the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”), plus a margin based on the amount of the line. However, for the first 12 months from the date of the loan there is an introductory rate of 4.99% fixed. For the remaining 108 months the terms will be as follows. On 02/21/2025, the WSJ Prime Rate was 7.50% resulting in the following APRs: $25,000.00 – $150,000.00: 8.25% (Prime + .75%), $150,000.01 – $250,000.00: 8.00% (Prime + .50%), $250,000.01 and upwards: 7.75% (Prime + .25%). The minimum APR is 5.00% (after the introductory period) and the maximum APR is 18.00%. Rates will change on the 1st day of the statement cycle following a Prime Rate change. Interest only minimum payments required during the Draw Period. There is an annual fee of $50, but it will be waived for the first year. Offer applies to lines secured by owner occupied, one-to four-family residences with a maximum of 80% (or 70% if loan amount exceeds $250,000.01) Complete Loan to Value (CLTV). Offer is not available for purchase money loans. Property insurance required and flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. An early termination fee of $500.00 will be charged if account is closed within 36 months of the loan date. There may be certain third-party fees for entities such as appraisers, credit reporting firms, and government agencies to open the account, which generally total between $0.00 and $1,700.00. Pricing shown assumes borrower meets underwriting guidelines or credit may not be available. See your loan officer for details. Offer subject to change without notice. Offer expires 05/31/2025.