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The Only Loan or Line You’ll Ever Need

If your sights are set on a large expense like a kitchen makeover, upgrades to your outdoor living space, or college education, or you want to consolidate debt, the equity you have built into your home can offer you a great borrowing option. In fact, the ENB HomeLine could be the only loan or line of credit you’ll ever need.

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 and lock in a fixed interest rate on any outstanding balances.

Your unused HomeLine balance remains available at any time. And as you pay down the principle on the rate-locked balance, your available credit amount increases accordingly.

HomeLine Advantages

  • $5,000 minimum loan amount
  • No fee options available
  • .50% discount with automatic payment from an ENB checking account
  • Loans up to 90% of your home’s value
  • 1 to 15 year repayment terms on rate-locked balances
  • 25 year term and draw period
  • Easy access and transfer of funds via check, online banking, phone, or in person at any ENB branch office
Loan Type
Monthly Payment/$10,000
Loan Type: HomeLine Line of Credit Introductory Rate2, 4, 5, 6, 7, 8
Term: 25 year draw period
Monthly Payment/$10,000: $92.38
Loan Type: HomeLine Line of Credit Advertised Rate2, 3, 4, 5, 6, 7
Term: 25 year draw period
Monthly Payment/$10,000: $122.19
You can lock in HomeLine rates. Please call us at (877) 773-6605.

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Contact us and we’ll answer your questions.

1APR = Annual Percentage Rate. Effective July 31, 2023 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply. 2Automatic payment deduction required from an Ephrata National Bank deposit account. Published rates include the discount. Rates could be higher if deposit account activity does not support automatic payment. 3This is a variable rate home equity line of credit not to exceed 18% APR. The variable rate is based on Wall Street Journal Prime (WSJP) Rate plus 0.75%, currently 9.25% APR as of 07/27/2023. 25 year draw period. Monthly payment equals 0.50% principal balance plus interest on billing date ($50 minimum). Minimum payment may result in balloon payment at maturity. The advertised rate of 8.50% 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 amounts will not exceed 80% Loan to Value (LTV) ratio. 4Monthly payments will vary based on outstanding balance and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater. 5Loan amounts will not exceed 90% Loan to Value (LTV) ratio. Offer good on consumer purpose loans or lines secured with a primary residence. Homeowner insurance required. Flood insurance may be required. 6Fees could range from $321.19 to $922.94 and include a credit report, appraisal, lien search, flood search, recording and satisfaction fees. No Fee Options are available. 7Other rates are possible, subject to loan amount and credit score. These factors may affect final rates offering. Credit score may adjust maximum LTV ratio requirements. 8The 4.99% 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. Ephrata National Bank, Member FDIC. Equal Housing Lender.