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Finance any project with a Home Equity Line of Credit (HELOC)

Enjoy secure flexible financing with your HELOC!

Apply Now Check today's rates

Meet Our HELOC Products


  • Interest-only payments during the draw period
  • As you access funds your HELOC rate will be based on the Wall Street Journal Prime.
  • A 10-year draw period and a 15-year payback period
  • Borrow up to 85% of your home’s equity
  • Loan closing as quick as seven days

2% Balance Repayment HELOC

  • HELOC based on the Wall Street Journal Prime plus 3%.
  • 5-year draw period and a 10-year payback period.
  • Repayments are 2% of the balance with a minimum $150 payment.
  • Borrow up to 70% of your home’s equity
  • Loan closing as quick as seven days

Funds from a HELOC can be used for

Home Improvements


Debt Consolidation

Education Expenses

Big Life Events

Large Purchases


Tailored to You

Your line of credit is contingent upon the equity you possess in your home.

Use When Needed

With one application, you can use your credit line as much as you want, just like a credit card, for any purpose.


Using mobile banking you’re able to make a draw or view funds. Learn how to make a HELOC draw here.

Extra low payments

Qualified applicants only have to pay interest during the initial draw period, helping you stay on budget and keep payments as low as possible.

No pre-payment penalties

Finish your remodel early? Don’t worry. We won’t ding you for that. You can repay your HELOC in a way that suits your budget and goals without worrying about pre-payment penalties.

Funds for any project

Whether it’s restoring classic cars or tackling home projects, a HELOC from Zing can finance your dreams.

Properties Types to Borrow Against (Unavailable for investment or business properties)

Property types that can be used to secure a HELOC

Single family homes



We received a HELOC for home improvements. It went very smoothly and was completed in a timely manner. Everyone we worked with was very informative and cordial. Awesome to work with. 10 out of 10 stars for me. They are the best.

Steve W.

What is a HELOC?

A Home Equity Line of Credit (HELOC) is a type of loan where you borrow against the equity in your home. It works like a credit card, giving you access to funds up to a set limit. You can borrow and repay as needed during a draw period, typically 5-10 years. After that, there's a repayment period, typically 10-15 years.

Frequently asked questions

Yes! Take a look at our free HELOCs guide.

Zing offers free online e-courses that provides information about mortgages and home ownership.  Visit our e-course page today. 

One business day. Please refer to our HELOC checklist.

You can borrow up to 85% of the value of the home.

A HELOC works by allowing you to borrow against the equity in your home. Unlike a second mortgage, a HELOC acts similar to a credit card where you can borrow funds as you need them instead of receiving one lump sum of money.

Yes. Our expert mortgage loan officers are always ready to assist you. In the case someone is not available at one of our branches please reach out to them at [email protected].

More resources to consider using your HELOC

What’s the Best Way to Use a Home Equity Loan?

With interest rates falling and home prices rising, it seems like a great time to tap into my home’s equity using a home equity loan.

Four Ways to Finance a Home Renovation

Are you considering a home renovation but unsure about accessing the necessary funds? We have the perfect resources to guide you.

Your Guide to Debt Consolidation

If you’ve ever found yourself juggling multiple debts, you’re not alone.

Another Alternative for Home Equity Lending

Fixed Rate Second Mortgage 

  • •Flexible terms and fixed rates
  • •Borrow a 70-85% Loan to Value
  • •Loan closing as quick as 10 days


You can pick the option that best suits your budget and financial goals. Nobody likes surprises, especially when it comes to money. Enjoy fixed rates on your second mortgage, so you know the exact payment to expect month after month. Learn more about second mortgages here. 

HELOCs Disclosures

All loans are subject to credit and collateral approval, as well as income verification and employment verification. HELOCs only available on primary dwellings. Not available on rental or investment properties. Max line of credit is $150,000.