Home Equity Loans

No Fee Flexible Freedom Home Equity Line of Credit*

 

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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Medical Expenses

Keep safe with a safety net for medical expenses. Whether due to an emergency, a chronic condition, or planned procedures that insurance may not fully cover, a HELOC offers a flexible and reliable way to help manage these costs without the high-interest burden of credit cards or personal loans.

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

Questions?

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

 

Qualified borrowers can receive an approval in minutes for home equity loans up to $125,000 during normal business hours. Additional options are also available for loan amounts over $125,000.00. No fee applies to waiver of origination, appraisal, and recording fees for both Fixed Home Equity Loan or Flexible Freedom HELOC of $15,000 or more. The Flexible Freedom HELOC offers the power to lock in fixed rates on advanced funds. Please inquire about the rates, terms, and conditions that apply. Unlocked balances carry a variable Annual Percentage Rate (APR) tied to the NY Prime Rate with a floor of 3.75% APR and a ceiling of 18% APR. The Prime Rate is based on the highest rate published in the Wall Street Journal and as of December 11, 2025 is 6.75% APR. For properties located in NY State a $100 appraisal credit applies, however the borrower is responsible for their portion of the NY State Mortgage Tax. Loan amounts of $350,000 or greater may require title insurance at borrower’s expense. Home Equity Loans are subject to credit qualification, income verification, and collateral evaluation. Additional restrictions, limitations, and exclusions may apply. Member FDIC. Equal Housing Lender.