Home Equity
Line of Credit

Sending someone
off to college?

We can help them get there.
Go ahead, fund that education.

Apply Online


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


Intro APR* (24 months)

Standard Variable APR*

Home Equity Line of Credit

<80% Loan to Value - Prime Rate



80.01%-85% Loan to Value - Prime Rate + 2%



*APR = Annual Percentage Rate. Rates on these loans are variable and are subject to change without notice. Maximum APR is 18%.

**The introductory rate is as low as 2.25% APR (current prime rate of 5.25% APR minus 2.25% intro 24 month discount minus our standard discount of 0.75%, which does not expire, if you qualify). The discount of 2.25% applies for the first 24 months for new lines of credit only and cannot be used to pay off an existing HAR-CO Home Equity Line of Credit. Following the introductory period, the APR may vary based on the then-current prime rate as published in the Wall Street Journal. Prime rate can change. Not all applicants will qualify for the lowest rate. Rates advertised are based on a maximum combined loan-to-value (CLTV) of 80%. Applications must be received by August 31, 2019.

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 $500.00 and $1,700.00. If balance is paid off or plan is closed within 48 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. Flood insurance may also be required. Loan subject to credit approval. Membership eligibility required. Ask for details.

Use the equity in your home 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 closing costs on loan ($15,000.00 or more)
  • Interest only available
  • Low monthly payments

Why put off until tomorrow what you can do today? Contact a Mortgage Officer now.


Terry Miller-Snee

Mortgage Officer

410-838-9090 ext. 1249
NMLS #663307



Angie Gregory

Sr. Mortgage Officer

410-838-9090 ext. 1252
NMLS #135040

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