How do I determine how much equity I have in my home?

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See our Home Loan Calculator, "How much equity do you have?" to get an estimate on your home equity.

The amount of equity available for a home equity loan or home equity line of credit is determined by the loan-to-value ratio of the home and the ratio requirements of the lender. A loan-to-value ratio is calculated by taking total mortgage debt (including any second mortgages or existing home equity loans) and dividing it by the current, appraised value of the home. The size of a home equity loan or line of credit will also depend on the loan-to-value requirements of the lender. Higher loan-to-value requirements can result in larger home equity loans or lines of credit.

Consider applying for an EquityFlex Line of Credit

Our EquityFlex Line of Credit puts the equity that you’ve built in your home to work for whatever comes your way. Funds can be used at any time and you will only pay interest on what you use! Funds will be distributed upon request and can be accessed through Digital Banking, Convenience Checks, Telephone Teller, or at any branch location.

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