Make the most of your home’s equity and get the money you need when you need it!
A home equity line of credit from IBC Bank is ideal for customers who have both a current borrowing need and would like the flexibility of a line of credit for future needs. A HELOC is a great way to cover expenses for home improvements, education, vacation or the unexpected. Funds from your home equity line of credit can be accessed anytime you need them, by simply using your IBC Courtesy Checks. Interest on your home equity line of credit is tied to a low floating rate, and may be tax deductible.*
How much can I borrow?
In Texas, you can borrow up to 80% of your home’s equity. In Oklahoma, you can borrow up to 90%. Equity is the value of your home minus any mortgage loans currently secured by your home. You can use our financial calculators to determine approximate loan and payment amounts.
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*Consult your tax adviser for details. Some restrictions may apply. Property must be owner occupied.