Home Equity
Line of Credit

You’ve earned it.

Now it’s time to use it.

Ready cash to use for whatever you choose.



A line of credit is a reusable and flexible source of ready cash allowing you to unlock the equity in your home. 

You can use the equity for whatever you wish.

  • Low competitive rates
  • Ready cash for tuition, home Improvements, consolidation
  • Borrow up to 85% of your home equity ($300,000.00 maximum)
  • No points
  • No closing costs on loan ($15,000.00 or more)**
  • Interest only available
  • Low monthly payments
  • Interest may be tax deductible (Consult a tax advisor)





Home Equity Line of Credit

HELOC - Adjustable

80% Loan to Value - Rate at Prime

2 Year Min


HELOC - Adjustable 85%

85% Loan to Value - Rate at Prime + 2%

2 Year Min


†APR = Annual Percentage Rate. Rates on these loans are variable and may change weekly and or without notice. Maximum APR is 18%.

*CURRENT APR IS 4.75% as of 12/24/18 if you qualify. APR = Annual Percentage Rate. We will discount the standard rate of Prime +0% (currently 5.50%) by 0.25% for having HAR-CO free checking with autopay, plus 0.25% for credit strength, and 0.25% for collateral strength. Rate changes with Prime. Prime rate can change.

**No Closing Cost Option available if initial draw is $15,000.00 or more. If less than $15,000.00 you will be charged third party fees ranging between $0.00 and $1,700.00. If balance is paid off or plan is closed within 36 months of being opened you must reimburse to HAR-CO third party fees paid for you. The HELOC program is available in MD, PA and DE. Property insurance is required. Loan subject to credit approval. Membership eligibility required. Ask for details.

Why put off until tomorrow what you can do today?

Contact Our Mortgage Officer


Terry Miller-Snee, Mortgage Officer

410-838-9090 ext. 249 or

(NMLS #663307)

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HELOC Calculator


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