Residence Equity. Please wait a second while we retrieve our rates that are low

Finish a saved application

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

Today’s low house equity prices Disclosures †

You can enjoy a reduced variable rate that is introductory a home equity personal credit line

Special Introductory APR that is variable Variable Disclosures † for 12 months

Later On:

Variable APR Variable APR Disclosures † after the basic period

(predicated on prices as of << date rates.product.effectiveDate >> and certainly will alter)

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

We are not able to show prices at the moment. We apologize for just about any inconvenience. Our experienced financing experts are quite ready to allow you to together with your financing requirements:


Obtain a call straight right back

From a single of our specialists that are lending

By publishing this type, you authorize Bank of America to make contact with you during the cell phone number or e-mail supplied 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 may utilize an auto-dialer to achieve you. You realize you are not necessary to consent to getting autodialed calls/texts as a condition of buying any Bank of America services or products. Any cellular/mobile telephone number you offer may incur fees from your own service that is mobile provider.

Make the most of these rate of interest discounts

For automatic monthly obligations

Put up and keep automated monthly obligations from your Bank of America checking or checking account and get a 0.25% interest discount (will not connect with Bill Pay solution).

As much as 1.50percent

For initial withdrawals

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a withdrawal that is initial you start your account and be given a 0.10% interest discount for every single $10,000 withdrawn (up to a maximum discount of 1.50% ).

As much as 0.375percent

For Preferred Rewards В® clients

Residence Equity type of Credit: Home Equity personal credit line (HELOC) interest rate discounts can be obtained to customers that are enrolled or meet the criteria to sign up in favored Rewards in the right period of home equity application (for co-borrowers, one or more applicant should be enrolled or qualified to register). Number of discount (0.125% for Gold tier, 0.25% for Platinum tier and 0.375% for Platinum Honors tier) is founded on your qualified tier during the time of house equity application and it is maybe maybe maybe not susceptible to modification. Eligibility may be available three or maybe more company times following the end of this calendar thirty days where you match the requirements. For information on demands, go to the rewards that are preferred for the private Schedule of costs. Benefit is non-transferable. Preferred Rewards house equity advantage may be along with specific other house equity rate of interest discounts. Bank of America Private Bank customers get Private Bank HELOC rates through their customer group. Speak to your client group for details.

Home Equity

Tap into the equity at home – to fund house improvements or other expenses that are major

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

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

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

Determine house equity credit line prices and re re payments

Make use of our home financing payment and rate calculator.

Residence Lending Speed & Payment Calculator

Understand your loan choices

Allow your property equity be right for you

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 figures, revise situations, to discover which loan satisfies your preferences.

Help your house be enhancement plans a real possibility

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

Cash-out refinance

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

House equity personal credit line (HELOC)

Get ongoing use of funds with a property equity personal 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 available funds for house improvements. Plus, earn benefits for purchases by having a credit card that is rewards-based. At the mercy of credit qualification.

Still have questions?

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 Care

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 personal credit line features a draw amount of a decade plus 30 days, and after that you will definitely not any longer get access to borrow cash and you will be necessary to repay the lent stability in just a term that is 20-year. There is certainly a needed minimum payment that is monthly of100. The account is susceptible to application, credit certification, and earnings verification; additional assessment and verification requirements may apply. Your APR that is actual will upon your credit deal and credit score and you will be determined whenever a credit choice is manufactured. For concerns, please contact us at 1-800-668-4730.

APR and costs: The APR for the Wells Fargo house equity credit line is adjustable and on the basis of the greatest rate that is prime into the Western version regarding the Wall Street Journal “Money Rates” table (called the “Index”) along with a margin. The index at the time of the final modification date of October 31, 2019, is 4.75%. At the time of January 3, 2020, margins are normally taken for 4.625per cent to -0.475% for personal lines of credit from $25,000 to $500,000 guaranteed by owner-occupied properties with 70% combined loan-to-value. Corresponding APRs that are variable from 9.375per cent to 4.275per cent. The minimal credit line amount is $25,000. Your minimum APR, including discounts, can not get underneath the 1% flooring price. Your rate that is variable wo increase significantly more than 2percent per 12 months predicated on your anniversary date and certainly will never ever be a lot more than 7% more than for which you began (optimum of 18%).

There’s no annual charge or prepayment penalty cost. Wells Fargo will probably pay account-opening costs unless a merchant account opening service that is fee-related required by the client and never needed by Wells Fargo. Re Payment for property owners insurance and, if relevant, flooding insurance coverage is needed and should be compensated because of the consumer.

Relationship discounts: if you do not have an qualified profile by Wells Fargo ® account at that time you start your property equity credit line, other lower discounts can be accessible to you and will need automated repayments from an experienced consumer deposit account. To discover which records qualify for a relationship discount, contact a Wells Fargo banker. Relationship discounts is not combined.