Home Equity Loans

Be Your Own HELOC Hero!

Flexible Freedom Home Equity Line of Credit*

No matter what the day may bring, it’s great to have options. Whether planning for a rainy day, capitalizing on an idea or supporting an unforeseen need, HNB’s home equity options may offer the right solution for you.

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Create Opportunity

Leveraging the equity you’ve built in your home, you can increase your cash flow for:

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Credit Card Consolidation

Debts piling up? Help get your debt under control with the utilization of a HELOC. Credit card consolidation is one of the most beneficial uses of this option. With simplified access to your funds, reduced borrower cost, lower interest rates, and an added layer of security through the equity in your home, a HELOC can be a great way to decrease your credit card debt.
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Home Improvement

Building opportunity for more equity! Renovate a kitchen, put in a pool, add a deck or update your landscaping.  Leveraging your home's equity to increase the value of your home is what we like to call a win-win! 

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Travel Expenses

Travel expenses can add up fast. From transportation, meals, hotels and entertainment, costs can skyrocket quickly. Use your home's equity to fund a family vacation that wasn't feasible in your regular budget.

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Wedding Financing

Say 'I do' to managing wedding expenses. If eloping isn't your dream, help manage items from the dress to the caterer with your home's equity. 

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Higher Education

Work smarter not harder. Take the opportunity to change career paths or advance yourself in your professional or vocational endeavors. From certificates to degrees or even paying for private schooling for children – it's all possible. 

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Business Venture

Invest in yourself. Help jump start your entrepreneurial ambitions or fund a hobby turned side hustle with the extra funds gained from your home's equity. 

Home Equity Line of Credit

The flexibility you need. The freedom you deserve. HNB's Flexible Freedom Home Equity Line of Credit allows you to lock in a fixed rate for a term that fits your life and your budget.

  • Home Improvements
  • Debt Consolidation
  • Auto / RV / Boat Purchases
  • Medical Expenses
  • Vacations
  • Weddings
  • Tuition Payments
  • And more

HELOC Features

  • One loan approval
  • No recurring proofs of employment, income, or value of collateral
  • Choose the length of term
  • Select rate based upon your preferred term

Apply Now and receive approval within minutes.¹


Any member of our local team of loan officers, mortgage advisors can answer your questions and support you with the process every step of the way. Or visit one of our convenient locations to get started today.

Other Loan Options


“Approval within minutes” is available during normal business hours or experience may vary and available to qualified borrowers who meet or exceed the established thresholds for Debt to Income (DTI), Loan to Value (LTV), and Credit Score. For the Flexible Freedom Home Equity Line of Credit, the borrower may lock the line of credit to a fixed rate for a particular term at any time and should inquire about rates, terms, and conditions. For properties located in NY State, $100 will be credited to the cost of the appraisal and the customer’s portion of NY State Mortgage Tax is at the borrower’s expense. Home Equity Loans are subject to credit qualification, income verification, and collateral evaluation. Additional restrictions, limitations, fees, and exclusions may apply. Member FDIC. NMLS #446237.