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Whether you need a loan for that home improvement project or just want a line of credit in case of an emergency, Bell State Bank & Trust can help you find a loan or line of credit that suits you.
Sometimes home improvements are needed; other times, unexpected things come up. It can be stressful. Don't worry, we can help you find a solution.
Use the equity you have in your home to secure a line of credit or a home equity loan.
A home equity loan and a home equity line are not the same; however, both are based on the equity you’ve built up in your home – the current market value minus the balance you still owe on your mortgage.
The main difference between the two is that a home equity loan is taken as a lump-sum, one-time loan with a fixed interest rate, while a home equity line is a revolving “line of credit” that remains available to you for a specified time period, with an adjustable interest rate that is applied to the outstanding balance.
Call a personal banker for the loan you need.
Access the funds you need through a home equity line of credit.
Home equity lines are used primarily as financial safety nets, or “rainy-day funds.” People just like you also use home equity lines for medical bills, wedding expenses, vacations and consolidating debt.
How does it work? A home equity line is a revolving “line of credit” that remains available to you for a specified time period, with an adjustable interest rate that is applied to the outstanding balance.A line provides a set credit limit with a variable interest rate and gives you access to funds both now and into the future. Get convenient access to funds through your Bell State Bank & Trust deposit account.
To apply, just call any Bell State Bank & Trust location. We generally will need the following:
Check with us on the loan you need, and see what we can do for you! Contact a personal banker.
Access the funds you have built up in your home with a home equity loan.
If you’ve been thinking about adding on to your house, remodeling or redecorating, using the equity in your home could make a lot of sense. Home equity loans can also be used for education payments, medical bills, wedding expenses, vacations and consolidating debt.
Get your new account by phone or online
When they open a new personal checking account with us, we’ll give each of you $50.
Switch to paperless statements and get $5 per account when you turn off the paper!
Save time by calling us first for fast, free pre-approval or apply online at bellbanks.com Then talk to your real estate agent or builder.