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Home Equity Loans

Home Equity loans are a way to borrow money using the equity you’ve built up in your home as collateral. Home Equity Loans can help finance home improvements, tuition, a vehicle purchase or other large expenses. Some people also use them to consolidate higher interest debt such as credit cards.

These loans have regular monthly payments that consist of principal and interest, and which will amortize over a pre-determined period of time. The consistent payment amount makes it easy to include a home equity loan in your budget.

When you choose Union Bank for your home equity loan in NH or VT, you can count on the fact that people who live in your community and know its real estate market well will make the decisions on your loan application.

Call for more information or download an application and visit a branch to apply.

Home Equity Lines of Credit (HELOC)

Home Equity Lines of Credit allow you to use equity as cash, simply by writing a check against your available credit balance. These loans are a great way to be prepared for unexpected expenses like major household repairs or medical bills. You can borrow money without paying the high interest rates on credit cards.

HELOCs are paid back monthly by paying a portion of the principal plus accrued interest. After a pre-determined period of time, the outstanding balance will come due, at which point you must pay off the entire amount borrowed or refinance into a new loan. As with home equity loans, it pays to find a local lender for your HELOC loan in VT or NH. At Union Bank, our lending team lives where you do and makes credit decisions with a personal knowledge of the real estate environment.

Call for more information or download an application and visit a branch to apply.


Apply Now

Download our printable applications. Each PDF contains instructions and “field fillable” boxes you can type directly into. Once completed, simply print out, sign and deliver (or mail) to any of our locations.

VT Home Equity Loan

NH Home Equity Loan

VT Home Equity Line of Credit

NH Home Equity Line of Credit

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