Improve Your Home with a VCNB HELOC
For never-ending home improvements, a HELOC can help you keep up
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.
Interested in a home equity installment loan with fixed monthly payments? Learn more
No matter what kind of home equity loan you choose, VCNB loan experts are here to help you match the right loan and terms for your needs.
Get pre-qualified for a land loan
To help you get started on a home equity line of credit from Vinton County National bank, use our free online pre-qualification application tool. The online tool can also help you determine how much money you can afford to borrow.
Ready to apply? Here’s what to bring or 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
Online Loan Payments
At Vinton County National Bank, we make managing your home equity line of credit easy. Set up electronic loan payments, payment reminders, and other helpful features. It’s a hassle-free way to manage your loan.
Use free account alerts from Vinton County National Bank for notifications and important reminders about your loan. With numerous different notifications to choose from, you can set up the notification method that works best for you.
More questions? Start a conversation anytime.
Vinton County National Bank will never contact a customer via phone, e-mail, text message or direct mail asking for any of your credentials including usernames, passwords, account numbers, social security numbers, etc.