Home Equity Line of Credit (HELOC)

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

  • Remodeling your home
  • Investing in your child's future
  • Seizing opportunities

Ready to apply?

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

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  1. The advertised APR range reflects a variable rate of The Wall Street Journal Prime Rate (Prime as of 7/28/22) plus a margin between 0.25% - 1.125% 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. [back]
  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 $5,625 and will be charged to the borrower for credit lines above $250,000. [back]