You worked hard to get your home, but we make it easy to make your home work for you. Whether you’re renovating, consolidating debt, or making a major purchase, a Home Equity Line of Credit (HELOC) gives you the borrowing power you need—with cash-back rewards and a low introductory rate. At E-Central, your HELOC can return cash back right away.
Smart Uses for a HELOC
- Home Improvements - Expand your living space, upgrade your kitchen, or create the perfect outdoor retreat.
- Debt Consolidation - Combine high-interest debt into one easy monthly payment for better cash flow.
- Financial Flexibility - Cover education expenses, unexpected costs, or other big-ticket items.
Earn Up to $800 Cash Back
Get huge savings with up to $800 cash back! Take an initial draw on your loan and earn $800 for draws of $150,000 or more, $400 for draws between $100,000 and $149,999, and $200 for draws between $50,000 and $99,999. Cash-back payouts are disbursed 90 days after loan origination. You’ll also enjoy:
- Low Introductory Rate - Save with a competitive introductory rate of 5.50% APR**.
- Interest Only Payment Option - Make interest-only payments during the draw period, giving you more financial flexibility.
Do You Have a HELOC with Another Lender?
Has your HELOC payment gone up? The Federal Reserve has made several interest rate hikes in recent months. Those rate hikes are causing payments to increase on variable rate loans, including credit cards and Home Equity Lines of Credit. If your HELOC has been impacted by rate increases, consider refinancing at E-Central. Our rates can be as low as Prime, and with up to $800 in cash back and interest-only payment options, it might be financial sense to “redo” or refinance with E-Central.
Learn More!
Our Real Estate Lending experts can help you determine which option is right for you! They can also help you with the loan application process. To learn more, call or visit the branch today.
Call 626.799.6000