Home Equity Line of Credit (HELOC)

Whether it's making the home improvements you've dreamt about, investing in your child's future, or consolidating debt at a lower rate, with a Home Equity Line of Credit you'll have the peace of mind that comes with knowing you have a little extra help to handle whatever life sends your way.

Remodeling your home

Investing in your child's future

Seizing opportunities

The Details

Benefits	Because the Home Equity Line of Credit is secured by real estate, the rate is usually more advantageous than other types of loans. Plus, we offer rate discounts based on your relationship with us and for making automatic payments from your MB&T checking account. Credit approval is required.
Access to Funds	Access funds during the Advance Period by check, transfer to an MB&T checking account online, or withdrawal at an MB&T branch.
Term	30 Year Term (10-year Advance Period followed by a 20-year Repayment Period)
Payments	Monthly interest-only payments during the 10-year Advance Period followed by monthly principal and interest payments amortized over the 20-year Repayment Period.
Annual Percentage Rate (APR)	Fully indexed rate could range between 7.75% - 8.875% APR¹. This is a variable APR indexed to Wall Street Journal Prime plus a margin.
Fees	No application or documentation fees. $75 annual fee during the Advance Period. Other fees may apply².

The advertised APR range reflects a variable rate of The Wall Street Journal Prime Rate (Prime as of 12/19/2024) plus a margin between 0.25% - 1.375% for an owner-occupied primary residence without auto-debit, subject to a rate floor of 4.00%. Line amounts range from $25,000 to $2,000,000. Payments are interest only during the 10-year Advance Period followed by monthly principal and interest payments amortized over the 20-year Repayment Period. APR is based on Prime plus a margin and will vary with Prime but will not exceed 17% or the maximum amount permitted by law. Rates, terms and conditions are subject to credit approval, income verification and collateral evaluation and other factors. Your actual rate may be higher than the advertised rate depending on credit factors. Additional restrictions, limitations and exclusions may apply. Property insurance (which may include flood insurance) is required.
There is a $75 annual fee during the Advance Period, beginning in the second year. If the credit line is closed within 36 months of opening, a $500 early closure fee may be assessed. Third party fees generally total between $0 and $5,650 and will be charged to the borrower for credit lines above $250,000.

Apply Online

Our online application streamlines the process from start to finish. Submit documents and get updates on the status of your loan, all without leaving the comfort of your home.

Ready to apply?

Create an account in our Borrower Portal to access our easy online HELOC application.

Create account

Returning applicant?

Log in to access your saved application and loan documentation.

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Have questions?

Connect with one of our experienced bankers.

Contact us

Ready to apply?

Create an account in our Borrower Portal to access our easy online HELOC application.

Create account

Returning applicant?

Log in to access your saved application and loan documentation.

Log in

Have questions?

Connect with one of our experienced bankers.

Contact us

Want to connect?

We're here when you need us.

Request more information ATM & branch locations Call us at (805) 963-7511

Mortgage loan originators

Name	Title	NMLSR ID
Abdiel E. Garcia	Director of Business and Consumer Lending	1752647
Alan Acosta	Business Banking Relationship Manager	1283722
Alberto Jose Rivera	Personal Banker	1039623
Ambia Clark	Senior Commercial Banking Officer	770874
Andy Rodriguez	Branch Manager	1136486
Arcelia Sofia Ruelas	Operations Officer	2042873
Armando Casillas	Regional Community Banking Manager	1038234
Benjamin Scott	Director of Commercial Banking	1136494
Bernard J Smith	Loan Administrator	1065236
Bijan Ghaemmaghami	Operations Officer	1544392
Bonnie Laurie Holdren	Personal Banker	1136477
Brian Jeffery Donovan	Regional Commercial Banking Manager	611984
Catherine Alcantara-Aquino	Operations Officer	1535269
Charles Faulding	Senior Business Banking Portfolio Manager	1136497
Christine Mendez Gerochi	Branch Manager	1078266
Crystal Joy Atterbury	Personal Banker	2250022
David Perez	Operations Officer	2478340
Derek L Swafford	Community Banking Sales Manager	1097394
Destinee Harden	Operations Officer	2329385
Devon Robert Davison	Personal Banker	1089114
Doug Platts	Regional Commercial Banking Officer	2499892
Elsa Velasco	Operations Officer	1459239
Emmanuel Cruz	Personal Banker	2578567
ENRIQUE ZUNIGA DEARCOS	Team Leader & Senior Residential Mortgage Underwriter	247762
Erick Roman Szetela	Personal Banker	1334959
Evan Germaine Scott	Branch Manager	1039630
Evania Cuadros Hernandez	Personal Banker	1262453
Evelyn Mora	Personal Banker	2573395
George Loring Thurlow IV	Credit Administrator	1826814
Ignacio Parra	Consumer Loan Processor	1155541
Janeth Rodriguez	Personal Banker	2450292
Jeffrey Mercer	Senior Credit Administrator	1402289
Jenna Choate	Personal Banker	1922171
Jennifer W Oakley	Branch Manager	1039612
Jessica Levenson	Personal Banker	1813817
Jill Louise Haney	Branch Manager	1038272
Joanne Contreras	Senior Residential Mortgage Loan Underwriter	366821
Jose Anguiano	Operations Officer	1136480
Jose Antonio Lizarraga	Personal Banker	2286901
Jose Luis Caballero	Personal Banker	798551
Justin Fabian Davila	Personal Banker	2296193
Kaiya Hansen	Operations Officer	1038273
Karen S Lewis	Operations Officer	1646149
Karlina Hilda Davis	Commercial Banking Officer	2141080
Kimberly Marin	Personal Banker	2592664
Laureen M Arcuri-Lazzaro	Personal Banker	678016
Leo Mark Fortunato	Branch Manager	1038254
Leoncio Martins	Personal Banker	1915585
Lisa D'Andrea	Personal Banker	1038238
Lisa Earlene Tait	Senior Loan Administrator	978698
Maia Eugenia Toran	Personal Banker	2453838
Maria L Torres	Personal Banker	1743603
Maria Torres Brown	Personal Banker	1136488
Mariah Rose Lerma	Personal Banker	2380064
Mario Alberto Baraona	Senior Portfolio Manager	419057
Mario Dominguez Reyes	Operations Officer	1096839
Mario Vega JR	Personal Banker	622771
Mark Anthony Campos	Personal Banker	1027939
Melanie Cleveland	Personal Banker	1263784
Melissa Kelley-Cook	Consumer Loan Operations Manager	770873
Michael A Johnson	Personal Banker	1636189
Michael Cox	Senior Portfolio Manager	1668089
Michael Jarrells	Deputy Chief Credit Officer	1753754
Michael Rosales	Personal Banker	2405605
Michelle Ann Garcia	Consumer Loan Processor	2454384
Monica Trouve-Sapp	Regional Commercial Banking Officer	780982
Nicholas Anthony Ferreira	Personal Banker	2381784
Nicole Louise Kreutz	Senior Portfolio Manager	1222015
NORA M GRIJALVA ZAVALA	Operations Officer	723436
Olivia Michelle Brown	Mortgage Loan Originator	879698
Omar Sevilla	Personal Banker	1505573
Osmany Rios	Business Banking Relationship Manager	1039622
Otis Kenneth Jones Jr.	Personal Banker	1404256
Paul J Kovacevich	Senior Credit Officer	770872
Raicer A Lopez	Operations Officer	284087
Raul Calzada	Personal Banker	678014
Reyna Kaufman	Operations Officer	1505319
Roland Thomas Barrio	Branch Manager	512788
Samantha Louise Lawson	Personal Banker	1271311
Steven John Medeiros Jr	Branch Manager	2078238
Tamara C Yates	Senior Consumer Underwriter	770871
Thomas Mortensen	Senior Commercial Banking Officer	2660063
Veena Rai	Personal Banker	2058081
Veronica Porter	Business Banking Analyst	1136492
Viara T Vachovska	Senior Portfolio Manager	770877
Violeta Jacqueline Cortez	Branch Manager	1829597
Vivian Armanious	Branch Manager	2645566
Wenda Baerg	Portfolio Manager Team Lead	1949419
Yifei Wu	Business Banking Portfolio Manager	2458553

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