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Home Equity Loan and Line of Credit

Home Equity Loan. The Ohio State Bank offers a home equity loan secured by your home for those one-time borrowing situations such as buying a car, consolidating debt, or really anything that you have financial need for.

Home Equity Line of Credit. The home equity line of credit is secured by your home and provides an open line for use over ten years to use as needed. You are approved for a specific amount and you are free to use it and pay it down without getting approval each time.

Our Home Equity Loan products offer:

Competitive Interest Rates
Low fixed and adjustable monthly payments
Rate discounts when you setup an automatic payment through your Ohio State Bank account
Potential tax advantages (consult your accountant)

Our Home Equity Line of Credit products offer:

A loan up to your approved limit without reapplying for credit
No application fee
Competitive Interest Rates
Principal and interest and interest only payment options
Rate discounts when you setup an automatic payment through your Ohio State Bank account
Potential tax advantages (consult your accountant)

INFORMATION FOR ALL
HOME EQUITY LINES OF CREDIT:

Applications are subject to credit approval
Applications are subject to appraisal and title search
Properties require hazard insurance and flood insurance, if it applies.

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