OPEN 11:00-19:00

What's new


Home Equity. Please wait a minute although we retrieve our low prices

Home Equity. Please wait a minute although we retrieve our low prices

Finish a saved application

A property equity personal credit line (HELOC) enables you to borrow secured on available equity along with your house as security.

Today’s low house equity prices Disclosures †

You can enjoy a decreased variable rate that is introductory a house equity personal credit line

Unique Introductory adjustable APR Variable APR Disclosures † for 12 months


Adjustable APR Variable APR Disclosures † after the period that is introductory

(according to prices as of <> and will alter)

† Home equity presumptions (discount information plus disclosures and assumptions that are additional according to a $100,000 credit line

We are struggling to show prices at the moment. We apologize for almost any inconvenience. Our experienced lending specialists will be ready to allow you to along with your financing requirements:


Get a call straight right back

From a single of y our financing specialists

By publishing this type, you authorize Bank of America to make contact with you during the phone number or email supplied right right here, also that we not send you marketing information by email if you’ve previously registered on a Do Not Call registry or requested. You agree we might make use of an auto-dialer to achieve you. You recognize that you will be not necessary to consent to getting calls/texts that are autodialed a condition of buying any Bank of America services or products. Any cellular/mobile cell phone number you offer may incur charges from your own mobile solution provider.

Benefit from these rate of interest discounts

For automated monthly obligations

Put up and keep automated monthly premiums from your Bank of America checking or checking account and receive a 0.25per cent rate of interest discount (will not connect with Bill Pay solution).

As much as 1.50%

For initial withdrawals

Make a preliminary withdrawal whenever you start your account and be given a 0.10% rate of interest discount for every $10,000 withdrawn (up to a maximum discount of 1.50% ).

As much as 0.375per cent

For Preferred Rewards В® clients

Home Equity type of Credit: Home Equity credit line (HELOC) interest discounts can be found to consumers that are enrolled or meet the criteria to sign up in Preferred Rewards in the right time of house equity application (for co-borrowers, a minumum of one applicant must certanly be enrolled or entitled to enlist). Quantity of discount (0.125% for Gold tier, 0.25% for Platinum tier and 0.375% for Platinum Honors tier) is dependent on your tier that is eligible at period of house equity application and it is maybe perhaps maybe not susceptible to modification. Eligibility is going to be available three or even more company times following the end of this calendar thirty days in which you fulfill the requirements. For information on demands, go to the rewards that are preferred for the Personal Schedule of charges. Benefit is non-transferable. Preferred Rewards house equity advantage may be along with particular other home equity rate of interest discounts. Bank of America Private Bank customers get Private Bank HELOC prices through their customer group. Contact your client group for details.

Home Equity

Make use of the equity at home – to fund house improvements or any other expenses that are major

You won’t need to pay closing expenses whenever you start a Wells Fargo house equity credit line. Plus, there are not any application, yearly, or prepayment costs.

If you’re prepared to apply online, let’s go

Call 1-888-667-1772 or find a home loan consultant in your area

Determine house equity personal credit line prices and payments

Utilize our home financing price and repayment calculator.

Home Lending Speed & Payment Calculator

Understand your loan choices

Allow your home equity meet your needs

Considering a house renovation or preparation for an expense that is major? A property equity personal credit line (HELOC) can help.

Discover the loan that fits your preferences

Run some true figures, revise situations, and view which loan fulfills your preferences.

Help your house be improvement plans a real possibility

Financing, personal credit line, or bank card might have the ability to assist you to buy major expenses.

Cash-out refinance

Refinance your home loan – and access the equity in your house for renovations along with other costs.

House equity personal credit line (HELOC)

Get ongoing use of funds with a property equity credit line on it’s own or coupled with a mortgage that is first.

Individual lines and loans

Fund your house enhancement tasks without needing the equity in your house. Spend no origination charges or prepayment penalty.

Charge cards

Obtain access to funds that are available house improvements. Plus, earn benefits for acquisitions with a credit card that is rewards-based. At the mercy of credit certification.

Continue to have concerns?

Fast Assist

Contact Us

Residence Equity Financing

1-888-667-1772 Mon – Fri: 7 am – 8 pm Sat: 7 am – 4 pm Central Time

Residence Equity Customer Support

1-866-820-9199 Mon – Fri: 7 am – 10 pm Sat: 8 have always been – 2 pm core Time

Let’s Contact You

Terms: The credit line features a draw amount of a decade plus 30 days, after which it you may no further get access to borrow cash and will also be needed to repay the lent stability inside a 20-year term. There is certainly a needed minimum month-to-month payment of $100. The account is at the mercy of application, credit certification, and earnings verification; extra assessment and verification requirements may use. Your APR that is actual will upon your credit deal and credit score and will also be determined whenever a credit choice is created. For concerns, please contact us at 1-800-668-4730.

APR and costs: The APR for a Wells Fargo house equity personal credit line is variable and in line with the greatest rate that is prime into the Western version regarding the Wall Street Journal “Money Rates” table (called the “Index”) and also a margin. The index as of the final change date of October 31, 2019, is 4.75%. At the time of January 3, 2020, margins start around 4.625per cent to -0.475% for lines of credit from $25,000 to $500,000 guaranteed by owner-occupied properties with 70% combined loan-to-value. Corresponding adjustable APRs vary from 9.375per cent to 4.275per cent. The line that is minimum of quantity is $25,000. Your minimum APR, including discounts, can not get underneath the 1% flooring price. Your adjustable price will not increase a lot more than 2percent per year according https://paydayloanadvance.org/payday-loans-ut/ to your anniversary date and certainly will never ever be significantly more than 7% greater than in which you began (optimum of 18%).

There is absolutely no annual cost or prepayment penalty cost. Wells Fargo can pay account-opening fees unless a merchant account starting service that is fee-related required because of the client rather than needed by Wells Fargo. Re Payment for property owners insurance coverage and, if relevant, flooding insurance coverage is needed and needs to be compensated by the consumer.

Relationship discounts: If you don’t have an qualified profile by Wells Fargo ® account at that time you start your home equity personal credit line, other smaller discounts can be accessible to you and can need automated repayments from a professional consumer deposit account. To discover which records qualify for the relationship discount, contact a Wells Fargo banker. Relationship discounts can not be combined.