Home Equity Lines of Credit
Tap into equity and take on that next project
You've put a lot of time and effort building up equity in your home. Now it's time to take advantage of all that work. When you open a West Gate Bank Home Equity Line of Credit (HELOC), you get access to flexible financing for home renovations, major events like weddings or dream vacations, debt consolidation or anything else you have in mind. We make the application process easy and the decision-making quick through our local team.
- Access money as you need it and pay interest only on what you use
- HELOC terms run for 84 months
- As you repay your balance, that money becomes available again to borrow, similar to a credit card
- Start with a special fixed annual percentage rate for the first 12 months*
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Please review our Important Terms of our Home Equity Line of Credit for additional program details.
*Limited time offer. Subject to Credit Approval. Important rate and payment information: The introductory Home Equity Line of Credit (HELOC) Annual Percentage Rate (APR) is available on new lines of credit only. Introductory rate is fixed for 12 months following account opening and is not based on the index and margin used for later rate adjustments. After the 12-month introductory period, the rate is a variable rate subject to monthly changes with The Wall Street Journal Prime Rate (Prime). As of December 11, 2025, the APR based on the Prime rate is 6.75%. The HELOC minimum APR is 4.000% and the maximum APR is 16.000%. For loan amounts up to $100,000, closing costs typically range between $450 and $2,100. At maturity, the outstanding balance will be required in a single balloon payment.
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