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      Home Equity Line of Credit (HELOC)
      

      

      

      

      

      

      

      

      
Get Started

      

      
Call to reach a Loan Specialist 1-888-333-1206

      

      

      

      

      Refinance Today!

      

      

      

      

      

      

      

      

      

      

      

      

      

      


      

      

      

      

      Calculate
      Estimate your rate and monthly payments
      
	
		Calculator
      

      Calculate my rate
      

      

      

      

      

      

      

      

      

      

      ×

      Repayment Examples
      

      

      

      30-Year Fixed Rate Repayment Example
      

       
      

      #ProductLine=Mortgage|Brand=citizensbank|Region=NY|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#
      

      This payment example assumes no subordinate financing.
      

       
      

      15-Year Fixed Rate Repayment Example
      

      #ProductLine=Mortgage|Brand=citizensbank|Region=NY|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#
      

       
      

      This payment example assumes no subordinate financing.
      

      7/1 Fully Armortizing ARM Repayment Example
      

      #ProductLine=Mortgage|Brand=citizensbank|Region=NY|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=7/1 Fully Amortizing ARM|ProductAttribute=PAYMENT_STREAM_URL#
      

      This payment example assumes no subordinate financing. Adjustable rate mortgages (ARMs) have interest rates that are subject to increase after loan closing.
      

      *Rates listed above are for conforming purchase loans, are effective as of #ProductLine=Mortgage|Brand=citizensbank|BrandAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens Bank consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.
      

       
      

      

      

      

      

      Rate

      Rate represents the rate of interest charged for the loan. 

      Interest would be expressed as a dollar amount.
      

      

      

       
      

      

      

      Annual percentage rate (APR)

      APR is the total cost of the loan and its origination, including interest, points and fees, expressed as a percentage.
      

      

      

       
      

      

      

      Points

      Points are a one-time fee that a borrower pays to lower the interest rate on a loan. It’s a form of pre-paid interest.
      

      

      

       
      

      

      What you can do with a Home Equity Line of Credit
      

      

      

      

      


      Renovate  Your Home
      

      Increase your home’s value with a dream renovation
      

      

      

      

      


      Consolidate Debt
      

      Save money by consolidating debt into a lower monthly payment
      

      

      

      

      


      Support Your Family
      

      Use your home equity to help with a new baby or aging parent
      

      

      

      

      


      Fund Education
      

      Pay for education from kindergarten to college
      

      

      

      

      


      Make Large  Purchases
      

      Use your home equity to fund a car, travel or an emergency
      

      

      

      

      

      

      Benefits of a Citizens Bank Home Equity Line of Credit
      

      

      

      Flexibility
      

        

      • Borrow any time for any purpose
        • 

      • Choose interest-only payments or principal and interest payments during the 10-year borrowing period
        • 

      • Apply online, in-person or over the phone
        • 

      • Easy access to funds with mobile and online banking or supplied checks1
        • 

      • 15 year repayment term
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      Great Low Rates
      

        

      • One of the most affordable borrowing options available
        • 

      • Save 0.25% off your rate with automatic monthly payments from a Citizens Bank checking account* 
        • 

      • Line amounts of $100K or more have our lowest rates with the flexibility to draw what you need when you need it* 
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      No application fees or closing costs
      

        

      • No set up or appraisal fees
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      • $50 annual fee waived the first year
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      • $350 pre-payment penalty fee if you close your HELOC in the first 36 months
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      What you need to apply for a Home Equity Line of Credit
      

      We are here to help guide you every step of the way. Call to reach a loan specialist 1-888-333-1206.
      

      

        

      1. 

        Determine How Much Equity You Have
        

        Take your estimated home value and subtract any amounts you owe on your home to determine how much equity you have and what you may have available to borrow. Try our HELOC Borrowing Limit Tool for more information.
        

        2. 

      2. 

        Tell Us About Yourself
        

        You will need your employment details, if you are applying with someone else, you will need co-applicant information and employment details.
        

        3. 

      3. 

        Tell Us About The Property
        

        You will need your estimated property value, the year the home was built and the year it was bought. Current mortgage payment if applicable, home insurance details and property tax information.
        

        4. 

      

      

      

      Ready to apply?
      
Click here to get started
      

      

      

      Resources for HELOC customers

      Make your Home Equity Line of Credit journey simple and seamless with these helpful tools and resources.
      


      

      

      

      

      

      Home Loan Originator NMLS Status
      

      Our Home Loan Originators are registered with the Nationwide Mortgage Licensing System and Registry (NMLS). Check your loan originator's status here.
      

      

      

      Home Equity Line of Credit Calculator
      

      Find out your estimated rate and payments with our Home Equity Line of Credit Calculator.
      Calculate Now
      

      

      

      


      

      


       
      

      What to Know About Getting a HELOC
      

      

      

      

      

        

      • 

        
How does a HELOC work?

        Your Home Value – All Amounts Owed on Property = Your Home's Equity
        

        A HELOC functions similarly to a credit card, use what you need, when you need it. You can use your funds and pay them back as many times as you want during the borrowing period. Use a home equity line of credit to pay for home improvements, education costs, major expenses, cash management and more. You can even use a HELOC to consolidate debt. Use only what you need when you need it from this line of credit, you don't have to use everything you borrow.
        

        • 

      • 

        
Do I need to get a home appraisal?

        We will determine the type of appraisal needed and contact you after we review your application and collateral information.
        

        • 

      • 

        
What will my rate be?

        There's no way to say what your exact interest rate will be on your home equity loan or line of credit until your application is completed, but our Home Equity Line of Credit calculator can help you estimate based on preliminary factors. Your final interest rate is based on factors such as your credit history (FICO® score*) and ability to repay, the value of your home and the loan or line amount, to name a few.
        

        • 

      • 

        
What amounts are included in my monthly payment?

        Home equity lines of credit require interest-only payments during the draw period. However, you can pay both interest and principal if you choose. Note that interest-only payments do not build home equity. At the end of your 10-year draw period, your balance will be converted to a principal and interest monthly payment during the repayment period. At the end of the draw period, even if the interest rate stays the same, your monthly payment will increase, possibly significantly, because you will be required to pay both principal and interest. Home equity loans are paid in full over the life of the loan, in equal monthly payments that contain both principal and interest. For both home equity products, you can always make additional payments toward principal. Use our calculator to help estimate your monthly payment.
        

        • 

      • 

        
How quickly will I get my money?

        Typically it takes about 45 days from application to funding, but that can vary depending on your individual situation and how quickly we receive the required documentation to complete your application.
        

        • 

      

      

      

        

      • 

        
How does a HELOC work?

        Your Home Value – All Amounts Owed on Property = Your Home's Equity
        

        A HELOC functions similarly to a credit card, use what you need, when you need it. You can use your funds and pay them back as many times as you want during the borrowing period. Use a home equity line of credit to pay for home improvements, education costs, major expenses, cash management and more. You can even use a HELOC to consolidate debt. Use only what you need when you need it from this line of credit, you don't have to use everything you borrow.
        

        • 

      • 

        
Do I need to get a home appraisal?

        We will determine the type of appraisal needed and contact you after we review your application and collateral information.
        

        • 

      • 

        
What will my rate be?

        There's no way to say what your exact interest rate will be on your home equity loan or line of credit until your application is completed, but our Home Equity Line of Credit calculator can help you estimate based on preliminary factors. Your final interest rate is based on factors such as your credit history (FICO® score*) and ability to repay, the value of your home and the loan or line amount, to name a few.
        

        • 

      • 

        
What amounts are included in my monthly payment?

        Home equity lines of credit require interest-only payments during the draw period. However, you can pay both interest and principal if you choose. Note that interest-only payments do not build home equity. At the end of your 10-year draw period, your balance will be converted to a principal and interest monthly payment during the repayment period. At the end of the draw period, even if the interest rate stays the same, your monthly payment will increase, possibly significantly, because you will be required to pay both principal and interest. Home equity loans are paid in full over the life of the loan, in equal monthly payments that contain both principal and interest. For both home equity products, you can always make additional payments toward principal. Use our calculator to help estimate your monthly payment.
        

        • 

      • 

        
How quickly will I get my money?

        Typically it takes about 45 days from application to funding, but that can vary depending on your individual situation and how quickly we receive the required documentation to complete your application.
        

        • 

      • 

        
Will someone contact me after I have submitted my online application?

        Yes, a Home Loan Originator will contact you within 1 business day of submitting your online application to answer any questions you may have and discuss the next steps in the process.
        

        • 

      

      

      

      

      

      Still looking for more information? 
      
Check out our FAQs section.

      

      

      

      

      

      

      

      

      
Questions? Ask a Citizen.

      

      
Questions? Ask a Citizen.

      

      

      
1-888-333-1206Visit a BranchLive ChatApply Now

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      
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      Home equity lines of credit are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960).
      

      Rate and terms are subject to change and credit approval.
      

      *Home Equity Line of Credit: Variable Annual Percentage Rate (“APR”) based on The Wall Street Journal Prime Rate (“Prime”) published on the last business day of the month, (#Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=HLS_VARIABLE_APR# APR as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=HLS_last_day#). Maximum APR 21%. Minimum APR 2.50%.
      

      The best rate in CT, DE, MA, MI, NH, NJ, OH, PA, RI and VT is Prime -0.50% (#Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=HLS_HELOC_APR_OTHER# APR) and in NY the best rate is Prime -0.01% (#Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=HLS_HELOC_APR_NY# APR).
      

      Obtaining the best rate requires the following criteria to be met: 1) A new home equity line of credit application, 2) A line amount of $100,000 or more, 3) Line must be in first lien position, 4) Having a Citizens Bank consumer checking account, set up with automatic monthly payment deduction at the time of origination, 5) A loan-to-value (LTV) of 80% or less, and 6) Strong creditworthiness.
      

      References to rate percentages and/or rate percentage discounts throughout this web page mean percentage point/percentage point discount.
      

      The monthly payment example is based on a home equity line of credit for $100,000 at #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=HLS_HELOC_APR_OTHER# APR (Prime -0.50%) and an interest-only monthly payment for the first 10 years. In NY the monthly payment example is based on a home equity line of credit for $100,000 at #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=HLS_HELOC_APR_NY# APR (Prime -0.01%) and an interest-only monthly payment for the first 10 years. This interest rate is variable and the monthly payments will change over the 10 years. At the end of your 10-year draw period, your balance will be converted to a principal and interest monthly payment with a 15-year repayment period. At the end of the draw period, even if the interest rate stays the same, your monthly payment will increase, possibly significantly, because you will be required to pay both principal and interest.
      

      Eligible properties include owner-occupied 1- to 4- family properties, condominiums, and 2nd/vacation homes. Ineligible properties include, but are not limited to: investment property (defined as non-owner occupied property), a co-op, mobile home, or manufactured housing. Property must be located in CT, DE, IL, IN, KY, MA, MI, NH, NJ, NY, OH, PA, RI or VT. Home equity lines of credit are available in first or second lien positions. Not available for homes currently for sale. Homes previously listed for sale must be off the market for at least ninety days prior to application. Property insurance required. Flood insurance may be required. No annual fee for the first year, then $50 per year thereafter during the Draw Period. Pre-payment fee of $350 if closed within the first 36 months. Minimum line amounts apply. Citizens Bank offers Home Equity Lines of Credit as low as $17,500, but terms may vary.
      

      FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
      

      1Wireless carrier, text, and/or data charges may apply.
      

      

      

      

      


      

      

      
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