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Home Lending

Home Equity Line of Credit (HELOC)

It pays to have equity. Imagine the possibilities!

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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 7.00% - 8.125% 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.
  1. The advertised APR range reflects a variable rate of The Wall Street Journal Prime Rate (Prime as of 12/11/25) 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.
  2. 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 $6,188 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.

Log in
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

Curious what you will need to apply?

Being prepared can speed up the application and decision process. Check out what you will need to apply.

View document needs list

Want to connect?

We're here when you need us.

Request more information ATM & branch locations Call us at (805) 963-7511
Name Title NMLSR ID
Abdiel E. Garcia Chief Lending Officer 1752647
Alan Acosta Business Banking Relationship Manager 1283722
Alberto Jose Rivera Personal Banker 1039623
Amanda Alissa Banales Personal Banker 786588
Ambia Clark Senior Commercial Banking Officer 770874
Andy Rodriguez Branch Manager 1136486
Angel Hernandez Personal Banker 1845002
Anthony Dalton Standard Branch Manager 1410228
Anthony Ocampo Branch Manager 670797
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
Catherine Alcantara-Aquino Operations Officer 1535269
Charles Faulding Business Banking Manager 1136497
Christine Mendez Gerochi Branch Manager 1078266
Crystal Joy Atterbury Personal Banker 2250022
David Perez Operations Officer 2478340
Destinee Harden Operations Officer 2329385
Doug Platts Regional Commercial Banking Officer 2499892
Elsa Velasco Community Banking Operations Manager 1459239
Emmanuel Cruz Personal Banker 2578567
Erick Roman Szetela Personal Banker 1334959
Evan Germaine Scott Branch Manager 1039630
Evania Cuadros Hernandez Personal Banker 1262453
Fredy Medel Personal Banker 2618822
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
Jessica Ornelas Personal Banker 2782417
Jill Louise Haney Branch Manager 1038272
Joanne Contreras Residential Mortgage Loan Underwriter Team Lead 366821
John Engler Ray Regional Commercial Banking Officer 614897
Jose Anguiano Operations Officer 1136480
Jose Luis Caballero Personal Banker 798551
Julia Grossman Business Banking Portfolio Manager 2723985
Justin Fabian Davila Personal Banker 2296193
Kaiya Hansen Operations Officer 1038273
Karen S Lewis Operations Officer 1646149
Karlina Hilda Davis Commercial Banking Officer 2141080
Laureen M Arcuri-Lazzaro Personal Banker 678016
Leo Mark Fortunato Branch Manager 1038254
Leoncio Martins Personal Banker 1915585
Linda Konzelman Personal Banker 997404
Lisa D'Andrea Personal Banker 1038238
Lisa Earlene Tait Senior Loan Administrator 978698
Luke Andrew Haga Branch Manager 1451519
Maia Eugenia Toran Personal Banker 2453838
Maria L Torres Personal Banker 1743603
Maria Torres Brown Personal Banker 1136488
Mariah Rose Lerma Operations Officer 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 Heffelfinger Senior Consumer Loan Processor 2768989
Melissa Kelley-Cook Consumer Loan Manager 770873
Michael A Johnson Personal Banker 1636189
Michael Edward Sandel Personal Banker 2696440
Michael Jarrells Deputy Chief Credit Officer 1753754
Michael Rosales Personal Banker 2405605
Michelle Ann Garcia Residential Mortgage Loan Underwriter 2454384
Monica A Cruz Business Banking Relationship Manager 694892
Monica Trouve-Sapp Regional Commercial Banking Officer 780982
Nathan Glyer Business Banking Relationship Manager 1136471
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
Roger A Mohan Mortgage Loan Originator 2533831
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
Tatianna Escobar Personal Banker 2782947
Thomas Mortensen Senior Commercial Banking Officer 2660063
Tiffany Anne Shaw Personal Banker 1270021
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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