Even if you don't currently have a need for cash, applying for an open-end Home Equity Line of Credit is a wise move. You can draw on it should the need arise and you won't pay any interest until you do. Reasonable interest rates and potential tax savings make a Home Equity Line of Credit a smart choice for paying off credit card debt, bills or even buying a new car. Free checks are provided to you for convenient access to your Line of Credit.

Borrow up to 90% of the appraised value or 100% of the tax-assessed value, less liens for owner occupied homes. The minimum you can borrow to initiate this loan is $5,000 and the maximum is $75,000.

Whenever you want to use your Line of Credit, simply write a check for $500 or more. You have complete control of borrowing whenever and wherever you need it. The application process is easy. Stop by or call for more information. Plan to provide these documents when you apply to expedite the processing of your loan application:

• Proof of income,
• Homeowner's Insurance Policy with your agent's name, address and phone number,
• Real Estate Tax Statement,
• Statement of current mortgage balance, and
• Copy of your Deed of Trust/Mortgage or Title Policy.