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Horizon is a community bank serving Northern and Central Indiana, Central and Southwest Michigan and Central Ohio. Our focus is to anticipate and fulfill customer needs with exceptional service and sensible advice. This philosophy is what has kept us growing stronger than ever since 1873.
The Horizon Bank Home Equity Line of Credit (HELOC) with Lock Option* is a powerful financial tool available to you as a homeowner, turning your home equity into a resource that can give you the line of credit you need. Whether you're slowly improving your home, consolidating debt, or making major expenditures on a new car or college tuition bills, a HELOC will enable you to choose when and how much to borrow. This HELOC offers the ability to lock-in a portion of your line with a Fixed Rate and Fixed-Term. With this option, this Horizon Bank HELOC provides you all the flexibility of a traditional HELOC, as well as the benefits of a fixed monthly payment.
*HELOC Lock Option is not available on loans opened after May 1, 2016
Your Home Equity is the difference between your home's value and the mortgage balance on your home. A home equity line's credit limit is usually a percentage of your home's appraised value, subtracting from that the balance owed on your existing mortgage. Your home serves as collateral against this form of revolving credit.
A HELOC provides you long-term flexibility for both borrowing and repayment, so that you have the financial capability to make the purchases you need to improve your home, buy a new automobile, pay college tuition, or plan for future expenses.
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