Limited time only: 2.24% APR for the first 6 months.1

Handle your to-do list with our home equity line of credit.

A home equity line of credit (or HELOC) leverages the equity you've built in your home to secure a credit line for other borrowing needs. Your home may be your biggest investment. Now that investment can start returning dividends - as the equity in your home grows, so does the amount you can borrow. HELOCs offer advantages over a personal loan or a credit card often having lower interest rates and a flexible borrowing structure, making them a beneficial way to borrow for home improvement costs, bill consolidation, tuition and more.

Get a home equity line of credit with an introductory rate as low as 2.24% for 6 months<sup>1</sup>

Get a home equity line of credit with an introductory rate as low as 2.24% for 6 months1

  • Adjustable-rate, with options as low as Prime -0.25% in NY or Prime -0.50% in IN, OH, or PA after introductory period
  • Quick approvals and access to funds
  • No application fee and minimal closing costs
  • Ability to lock in, all or a portion, of your balance into a fixed rate and term
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Remodel your home

Because a HELOC is a line of credit, it provides you the flexibility to draw funds for your home improvement projects as you need them. This allows you to control costs and only borrow what you need, when you need it.

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Pay for school

Do you want to help your kids get a head start on paying for tuition and other college-related expenses? Or maybe you're ready to take on graduate school? With a HELOC, you can use the equity in your home to fund expenses at an often lower interest rate than student loans.

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Live the dreams you've been dreaming

Expecting a baby? Planning a dream wedding? Need to consolidate debt? The uses for your HELOC are limitless. And, since the loan is secured by the equity in your home, interest rates are often lower than other options, especially if you lock in this limited time offer.

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Calculate a home equity line of credit payment

Use our helpful tools and tips to calculate how much a Home Equity Line of Credit may be for your needs.

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Need to calculate your home's equity?

The amount of equity available for a home equity line of credit is determined by the loan-to-value ratio. Use our calculator to determine your equity!

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Improve your home, improve your ROI

Changes to your home not only make it a more enjoyable place to live, but these changes can also help boost your equity! View our article about the best renovation projects for improving home value.

Read the article

1Rates and payment example based on loans secured by properties located in PA, OH and IN only. Rates are 0.25% higher for properties located in the state of NY. HOME EQUITY LINE OF CREDIT: Variable Annual Percentage Rate (APR) 1.490% introductory APR for six (6) months followed by Wall Street Journal Prime Rate minus 0.50%, currently 3.000% as of 3/31/2022. Fixed term line of at least $100,000 loan with a minimum of $100,000 in new money and $50,000 being disbursed at closing required to obtain advertised rates. Advertised rates are open-ended and variable during 10 year draw period. Draw period is followed by a 15 year repayment period with principal and interest payments at a fixed rate equal to the rate for 15 year fixed-rate equity loans in effect at the time the repayment term begins. (Currently 5.625% as of 3/31/2022 and assumes a minimum balance at time of repayment of $50,000). Minimum monthly payment quoted is based on interest-only payment. Minimum monthly payment is the greater of the interest for the statement period or $50. Maximum APR is 18.00%, minimum APR is 2.50%. Offer based on an 85% maximum loan-to-value ratio, a minimum 740 FICO® score and automatic transfer service from a Northwest checking account. Other rates and terms are available. One- or two-unit owner-occupied primary residence properties only. Not for home purchase. Valuation fee typically ranges from $67 to $650. A $25 annual fee will be charged. If you cancel the line-of-credit before three (3) years, you will be required to reimburse Northwest for all third-party origination fees, less valuation fee. Refinance of existing line of credit will include early termination fees, if applicable. An existing Northwest line of credit does not count toward new borrowing requirement to receive advertised rates. Maximum loan amount is $750,000. A title search is required on loans greater than $250,000. Title insurance required on lines greater than $500,000 Offer may be changed or withdrawn at any time. Consult a tax advisor regarding deductibility of interest and charges. Subject to credit approval. See bank for details.