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Finance your next vacation, big purchase, or home remodeling project with a home equity loan from Guaranty Bank. Rates are low thanks to the equity you've built within your home after years of timely mortgage payments!

  • Competitive rates available for a number of uses:
    • Remodel your home
    • Upgrade your appliances
    • Take a vacation
    • Consolidate your debt
    • And more!
  • Approval amount based on equity in home
  • Local decision-making
  • Use for almost any purpose
  • Streamlined application process

Undecided about whether to choose a home equity loan or line of credit (HELOC)? Check out the chart to compare each side by side.

Account Home Equity Loans Home Equity Line of Credit
Flexible Uses Debt consolidation, home improvement, major purchase Debt consolidation, home improvement, college education, vacation
Loan Amount Up to 100% of the equity in your home Up to 100% of the equity in your home
Payments Fixed monthly payment* Variable monthly payment
Interest Rate Fixed rate Variable rate that follows the market
Term Up to 10 years 10 year draw period and up to 20 year repayment period
Fees $100 Origination fee None

*Loans with a Combined (including prior mortgages or liens) loan to value (LTV) of 90.01%-100% have the option of payment based on a 240 month amortization schedule with a balloon payment due at the end of ten years.