Home Equity Line of Credit
A home equity line of credit (HELOC) offers you the flexibility of borrowing money as you need it, rather than take it all in one lump sum. And you can skip the trip to the bank when you’re ready to borrow. If you have the kind of place where home improvements are more or less an on-going process, a HELOC could be the way to go.
Of course, you can also use the loan to consolidate debt or pay off other expenses faster and at a lower rate. With a HELOC, rates and payment terms vary depending on the amount of equity in your home and the amount borrowed.
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Equity Installment Loan
Add another room, remodel your kitchen, or make other home improvements with a home equity installment loan from Vinton County National Bank. Or use a home equity installment loan to consolidate debt or pay off other expenses sooner and at a lower rate.
Home equity installment loans from VCNB come with term options and the best rates, and are ideal for borrowers who prefer a fixed month payment.
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Here’s what to have ready.
- Tax returns for the past two years
- W2s from all employers for the past two years
- Names and addresses of each employer for the past two years
- Pay stubs for most recent full month
- Residence addresses for the past two years
- Most recent bank statements
All loans are subject to application and credit approval.
Online Loan Payments
At Vinton County National Bank, we make managing your mortgage loan easy. Set up electronic loan payments, payment reminders, and other helpful features. It’s a hassle-free way to manage your loan. Click here for online payment resources.
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