What's getting in the way between you and your dreams?
Don't let it be money.
Home Equity Loans & Lines of Credit
A Home Equity Loan or Line of Credit is an agreement where the borrower(s) uses the equity in their home as collateral for the loan / line. Home Equity loans and lines are the most popular methods for consumers to finance home improvements, invest in more property, manage their personal cashflow, purchase vehicles or consolidate debt, and usually at a lower interest rate. Home equity loans are for a specific amount and are amortized / paid over a defined period of time. A Home Equity Line of Credit is a revolving line of credit accessed by Online Banking or through checks. You can make major purchases, pay off debt or use for any other purpose to manage your personal cashflow. Generally these loans and lines are the second mortgage on your residence, but can be a first mortgage, or possibly a mortgage on a second home or investment property.
One of the biggest advantages of a home equity loan or line compared to a vehicle or consumer loan is the possible tax deductibility of the interest paid on these loans -- consult a tax advisor.
You can borrow money to make improvements to your home. It is an affordable fixed-rate second mortgage designed for home improvements, from finishing the basement to a new garage, from new windows and carpet to a new roof or patio - virtually anything that will add value to your home.
We offer lending programs to purchase or refinance a new or used vehicle including cars, trucks, pickups, sport utility vehicles, recreational vehicles, and more.
When you need extra cash for whatever reason, we can set up a personal loan for you. Collateral for these types of loans can be certificates of deposit, real estate, and other personal property. (Or can be done unsecured, OAC).
How to Apply
Complete an application and submit it to your local North Cascades Bank branch.
Contact our Consumer Loan Department at 1.800.603.9342 or email us at ConsumerLoans@NorthCascadesBank.com. Please do not include any sensitive information including your application via email.
All products and services are subject to approval. Other fees may apply to all accounts. See Schedule of Fees for details.