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Home Equity Line of Credit (HELOC)

Finance your home improvement project or big expenses
by tapping into the equity of your home.

Apply for LoanView Rates

Home Equity Line of Credit (HELOC)

Finance your home improvement project or big expenses by tapping into the equity of your home.

Apply for LoanView Rates
Low Rates Icon

Low Rates

No Pre Payment Penalties Icon

No Pre- Payment Penalties

No Closing Cost Icon

No Closing Cost

No Appraisal Fee Icon

No Appraisal Fee**

Take advantage of the equity you’ve built in your home to tackle that next big home remodel project or make quarterly tuition payments. A NET home equity line of credit is an open line of credit that can be used and paid down on an ongoing basis. It’s a flexible solution to meeting your changing needs over time and can be used to finance just about anything. A home equity line of credit is also great to have in case of an emergency.

It’s the ideal solution when you need money staggered over a period of time, such as paying ongoing wedding expenses or financing an extensive home renovation project that may take a couple of years to complete. A HELOC enables you to borrow the specific amount of money you need when you need it. Applying is easy.

Use a HELOC Loan For

  • Home improvement projects
  • Consolidating debt
  • Major purchases
  • Tuition and education costs
  • Vacation
  • Medical expenses
  • Wedding expenses
  • Vehicle purchases
  • Much more!

Benefits of NET’s HELOC Loans

  • Competitively low, variable interest rates.
  • Borrow up to 80% of your home’s appraised value.
  • Ideal for managing ongoing expenses, such as home improvement projects, tuition costs, debt consolidation, medical bills and life events including wedding expenses, vacations and much more.
  • Flexibility of revolving line of credit enables you to use only the money you need, when you need it.
  • Minimum initial draw of $5000. Subsequent minimum advances of $500.
  • Draw period of 5 years.
  • Maximum loan amount of $250000.
  • Flexible terms from 5 to 15 years.
  • No prepayment penalties.
  • No closing costs and no appraisal fee**.
  • Interest paid may be tax deductible depending on the use of the funds. (Consult your tax advisor.)
  • Receive checks to withdraw funds. – Request Checks
Roofers replacing damaged shingles after storm with very high winds came through over night
Just imagine the possibilities. Apply online at the link above or stop into any of our branch locations.

Tell us your goals, and we’ll offer the best solution.

Speak to a NET loan representative today by calling 570.961.1100.

Have confidence when choosing a loan

Try our financial education courses so you know you’re making the right decisions when choosing a loan.

Looking for other Home Loans?

New Backyard patio HELOC Loans
Home Equity Loans
Have a large home improvement project or big expense coming up?
NET’s Home Equity Loans close in just 1 week!**
cropped refinanced home image
Refinance Mortgages
If you’re locked into a 30-year mortgage loan, refinancing for a shorter term or for a lower or fixed rate might be worth exploring.

Raising your credit score before applying

NET can help you rasie your credit score so you can have the best rates possible!

Reach Us

Our headquarters are here in Scranton; but with our ATM network, digital banking and mobile app – we’re conveniently where you need us.
119 Mulberry Street Scranton, PA 18503


Please don’t send secure information

Questions about our Home Equity Line of Credit?

HELOC Checks

Request checks from a Member Expert; the check will link directly to your Home Equity Line of Credit Loan Account. This means you can now pay your bills directly without having to contact us to have your funds dispersed!

You must have an active HELOC Loan to recieve checks. Still need to apply? Click here.

Home Equity Line of Credit Checks

HELOC Checks(Required)

*Please don't send secure information.

*All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.

**Member may be charged an appraisal fee. Terms and conditions apply. Speak to the Loan Department for details.