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Home Equity Loans & Lines Of Credit
Unlock the power of your home's equity with Home Equity Loans and Lines of Credit.
Everything and the kitchen sink
Common sense says to use the tools that you already own such as the equity in your home. With a home equity loan or line of credit (HELOC) from Vista Bank, you have the power to cover large expenses like home improvements, funding education or paying medical bills in an affordable way. With so many ways to use the equity in your home, you can get everything you need. (Home Equity loans are not available in Texas.)
Home Equity Term Loan
A loan secured by the equity on your home or property. You’ll receive the lump-sum proceeds when your loan is closed. You can use the proceeds of the loan to pay for college expenses, home improvements or to refinance.
Home Equity Term Loans are not available in Texas.
Home Equity Line of Credit
A reusable line of credit secured by the equity on your home or property. With a line of credit you have access to your funds when you need them, like a credit card, but with lower interest rates. The perfect solution for home improvements, paying medical bills or even paying off high-interest credit card debt.
Home Equity Lines of Credit are not available in Texas.
Ready To Apply for a Home Equity Loan?
Fill out this form to have a banker give you a call about applying for a Home Equity Loan or Line of Credit.
Compare Home Equity Loans and Home Equity Lines of Credit
| Home Equity Line of Credit | Home Equity Term Loan | |
|---|---|---|
| No closing costs1 | Vista Bank will pay up to $500 in closing costs, applicable on HELOCs up to $250,000. | Vista Bank will pay up to $500 in closing costs. |
| Annual fee | Yes (waived if automatic payment initiated from a Vista Bank account) | |
| Maximum loan-to-value | 80%2,3 | 75%2,4 |
| Funds accessibility | Online banking By phone At a banking center Checks we provide | Lump sum at closing |
| Application process | Apply at banking center | Apply at banking center |
*APR = Annual percentage rate. Introductory rate of 5.49% APR for the first six months following line of credit closing date. After the introductory period, APR is variable and will vary for the remaining life of the loan based on the Prime rate plus a qualifying margin determined by lien position, Combined Loan-To-Value (CLTV), and credit score. As of June 12, 2026, the APR will range from 6.99% - 8.75%. The APR will not exceed 17.60% and the minimum APR is 5.49%. There is a minimum loan amount of $10,000 and a maximum CLTV of 80%. Subject to credit approval. Rates are subject to change without notice. Visit Bank Midwest for current rates. Home equity loans and lines of credit are not available in Texas.
Credit and collateral approval required. Offer available for new NBH home equity line of credit ("HELOC") clients only for applications taken on or after June 12, 2026 through September 4, 2026. To qualify for this promotional rate, the property secured by the HELOC must be your primary residence. This product is primarily secured by owner-occupied residential property. Second homes may be accepted as collateral in certain areas, subject to additional eligibility criteria, underwriting requirements, and geographic limitations. Please contact Bank Midwest for details. Additional restrictions and limitations apply. The introductory annual percentage rate ("APR") will be in effect for the first 6 months of your loan term, even if you do not draw on the line of credit during that period.
Hazard insurance is required for the property that secures the HELOC. Flood insurance is required for properties in special flood hazard areas. Required payments do not include amounts for taxes and insurance premiums. You will be responsible for annual taxes and insurance.
1No third party closing costs up to $500 on loans up to $200,000. 2Maximum Loan-To-Value is subject to credit score and overall collateral approval. Please contact your banker or nearest banking center for more details. 3Maximum Loan-To-Value for loans $10,000 to $75,000 is 80%. Maximum Loan-To-Value for loans $75,001 to $250,000 is 75%.Maximum Loan-To-Value for loans $150,001 to $250,000 is 70%. 4Maximum Loan-To-Value for loans $15,000 to $75,000 is 85%. Maximum Loan-To-Value for loans $75,001 to $150,000 is 80%. Maximum Loan-To-Value for loans $150,001 to $250,000 is 75%. Please contact your banker or nearest banking center for more details.