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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.
When they open a new personal checking account with us, we’ll give each of you $50.
Finance your new camper, boat, or home improvement project with Bell! Home Equity Loan rates as low as 3.25% APR *with no fees.
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.