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Home Equity Line of Credit (HELOC)

Discover the hidden value in your home with a low-rate HELOC.

With a Home Equity Line of Credit you can tap into the equity of your home by using it as collateral. Whether you are looking to pay off high-interest debt, renovate your home or pay for college, a HELOC is there when you need it.

Discuss your HELOC needs with a member of our lending team. Contact Vision Bank at 888-332-5132, apply online or visit one of our convenient locations to learn more.

Common Questions Asked About HELOC

What is a Home Equity Line of Credit?
A Home Equity Line of Credit starts by providing funds to help pay for unexpected emergencies - anything from heating or plumbing in your house - to planned expenses, such as school tuition or a remodeling project. A Home Equity Line of Credit lets you take advantage of your home's equity and secure it with a first or second mortgage on your primary or secondary residence.

How does a Home Equity Line of Credit work?
A Home Equity Line of Credit puts you in control. Use some or all of your line’s available credit, depending on how much you need at the time. With a HELOC, you can pay contractors or make purchases with the same ease as cash. Vision Bank offers a competitive interest rate and friendly staff and service to help you through the process. Visit one of our locations in southeastern Oklahoma.

Why Choose a Local HELOC Lender?
As an independently-owned community bank serving Ada, Durant, Shawnee, Prague, Meeker, Sulphur, Davis and the surrounding areas, Vision Bank is invested in the success of our community. And because all of our lending decisions are made locally, we offer more flexibility and personalized service. Contact us or visit your local bank today to discuss your HELOC needs with our friendly and knowledgeable lending team.

How do I Qualify for a HELOC?
In order to qualify for a home equity line of credit, you must have acceptable equity in your home. This means that the amount you owe on your home must be less than the value of your home. In addition, a lender will often review your credit score, credit history, employment history, and debt to income ratio. Consult with a lender at Vision Bank today to see if you qualify.