Get an ENB HomeLine at a great rate with flexibility.

2.99% first 6 months, 5.50 variable thereafter

Call us at (877) 773-6605 or email us to start the process of finding out the value of your home and how to use the equity for getting cash for whenever and for whatever you want.


ENB’s HomeLine combines the flexibility of a Home Equity Line of Credit with the certainty of a Home Equity Term Loan. Withdraw cash anytime you need funds. Lock in a fixed interest rate on any outstanding balances any time you wish. Unused balances remain available at any time. As you pay down the principal on the rate locked balance, your amount of available credit increases accordingly.

HomeLine Lock-In Rates are determined by the repayment terms chosen for rate-locked balances. Funds can be withdrawn and a rate locked at HomeLine origination.

ENB HomeLine Advantages:

  • Get up to 85% of your home’s value less your current mortgage balance.
  • 1 to 20 year repayment terms on rate locked balances.
  • 25 year line maturity.
  • Easy access to funds via check, transfer to checking using ENB Online Banking, or transfer request made by phone or in person at any ENB branch office.

Example based on 85% financing:

Appraised value of home:$200,000
85% of appraisal:.85
Less first mortgage:-$125,000
Home Equity Equals:$45,000

Want some more information before moving forward? No problem, just visit our Home Equity Resources to learn more.


*APR = Annual percentage rate. The 2.99% 6-month introductory rate is for the first six monthly billing cycles after closing and applies to new lines of credit opened with $25,000 or more of new money and requires an automatic deduction of payment from an ENB deposit account. Offer good on consumer purpose Home Equity Line of Credit (HELOC) secured with a primary residence. **After the introductory rate period expires, the APR will be a variable rate based on the Wall Street Journal Prime (WSJP) Rate + 0.75%, our standard rate, currently 6.25% APR as of 02/21/19. The advertised rate of 5.50% APR is our standard rate with the following discounts applied: 1) Automatic payment deduction from an ENB deposit account, 2)a credit score of 750 or greater, 3)a minimum line amount of $50,000. 4) loan amount will not exceed 80% Loan to Value (LTV) Ratio. Rates could be higher if deposit account activity does not support automatic payment. Other rates are possible, subject to loan amount and credit score. Depending on credit qualifications and payment option selected, APRs may range from 5.25% (WSJP minus .25%) to 8.25% (WSJP plus 2.75%). 18% maximum APR. Rates are subject to change and special offers may be discontinued without notice. Standard underwriting criteria apply. Subject to credit approval. This is a variable rate line of credit with a maximum Loan to Value (LTV) ratio of 85%. Credit score may adjust maximum LTV ratio requirements. Homeowner insurance required. Flood insurance may be required. HELOC monthly payment equals 0.50% principal balance plus interest on billing date ($50 minimum) and will vary based on outstanding balance. This variable rate HELOC monthly payment will be added to the monthly payments of balances converted to fixed rate terms under the plan for a total monthly payment statement. Any projected payments do not include taxes and insurance premiums, if applicable; the actual payment will be greater. 25-year draw period. Minimum payments made for the full 25 years on a $10,000 balance at the introductory rate and disclosed rate adjustment will result in a final balloon payment of $50.23. Fees on HELOCs could range from $329.40 to $848.40 and include a credit report, appraisal, lien search, flood search, recording and satisfaction fees. No Fee Options are available. Courthouse satisfaction fees may be assessed when the HELOC is paid off. A $100 rate conversion fee applies each time you lock-in a rate. The fee is waived if lock-in occurs at opening. Rates for lock-in terms are available at all branch offices and If applicable, the borrower must pay a $250 Trust Review fee. Member FDIC