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There’s a lot you can do with a home equity line of credit and a variety of reasons to choose INTRUST.
HELOC
Whether you're planning renovations, consolidating debt, or preparing to make a large purchase, a HELOC offers you convenient access to affordable funds that you can use in a variety of ways. Explore the benefits, browse our resources, or contact us to learn more.
Convenient access to funds for an extended period, all at an affordable rate.
Access up to 80% of your home's value
Minus what you already owe on your mortgage.
No closing costs
Unless an appraisal is required (fees below).
No origination fee
We waive this standard processing fee as a way of saying thanks for choosing us.
10-year draw period
This is how long you'll have to use your funds. It's among the longest you'll find.
Easily access funds
Use online banking to advance funds to your qualified INTRUST deposit account.
The Annual Percentage Rate (APR) is variable and can change, up to a maximum rate of 18%. This maximum APR may be reached as early as the first interest-only payment.
Rates listed are effective as of 8/2/2019, are not guaranteed and are subject to change without notice. Offer is subject to credit approval and collateral evaluation. Property insurance required. An appraisal may be required, which may result in a fee ranging from $0 to $1,000 and an appraisal vendor fee ranging from $0 to $55.00. No origination fee. $5,000 minimum loan amount.
A combined loan-to-value ratio (CLTV) of 80% or less is required to qualify for a HELOC with INTRUST. Learn more about CLTV and how to estimate it.
This calculator is provided for your convenience. The accuracy of the calculation is not guaranteed. It is not intended as an advertisement, a disclosure statement under any consumer law, or an offer of tax legal, financial or investment advice, and the calculator is not guaranteed to be applicable to your circumstances. It is not a guarantee of the availability of any particular loan product or interest rate, or an offer to make a loan.
Here's what the process may look like for you.
Apply online or visit the nearest INTRUST banking center to apply in person. No matter how you apply, we’re committed to providing a fast, friendly experience.
If approved, you can access your funds shortly after closing. This is the start of your 10-year draw period.
When the draw period ends, the 15-year repayment period begins.
Have questions or ready to get started? Apply online, visit a nearby banking center, or call 800-895-2265.
