Convertible First Lien Position Home Equity Line of Credit

Get more for less. Get prime minus 0.25% for life!

Discounted loan rate

Flexible to use

Only pay when you owe

With a Home Equity Line of Credit (HELOC), you can improve your personal liquidity and have the freedom to use the loan whenever and however you need it. Benefit from a discounted rate when there are no other loans on your property, while keeping more money in your pocket by avoiding points, closing costs, and annual fees. 

Our local, in-house home equity consultants will provide quick home equity loan decisions and trustworthy support, ensuring your best interests are always a priority. Feel confident knowing you have easy access to lending experts who understand your unique needs.

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Apply for a loan online, give us a call, text us at 860-563-2617,or schedule an appointment, or visit one of our Wethersfield, Newington, Berlin, Bloomfield, Niantic, or Middletown, CT locations to learn more.

APR = Annual Percentage Rate. As of December 11, 2025, our rates are accurate but can change if the U.S. Prime Rate (currently 6.75%) found in the Wall Street Journal changes. You’ll enjoy a fixed rate for the first 12 billing cycles, and after that, it adjusts monthly to Prime minus 0.25% — never higher than 18.00% or lower than 3.25%. Fixed Rate Option: Want more predictability? Lock in a fixed rate for up to three advances of $5,000 or more, with flexible repayment terms available. This offer is for owner-occupied homes in CT, MA, or RI. You can borrow from $10,000 up to $350,000, with a maximum 80% LTV. Dutch Point must be in first lien position. If your line goes unused for 12 months, there's a $50 inactivity fee. Homeowners insurance is required (and possibly flood insurance, depending on your property). Certain conditions and restrictions may apply. Subject to credit approval. May change without notice.