ChoiceLine Home Equity

Home Equity Loans made easy

Make Your Kitchen Delicious

It’s never been a better time to spruce up your cooking space for all those summertime guests.

Home values continue to rise and TwinStar’s ChoiceLine Home Equity Account can make your kitchen look delicious, or be used for any home improvement project. ChoiceLine lets you draw on your variable rate line of credit for as low as 3.50% APR. And credit lines are available for up to 100% of your home’s value.

The ChoiceLine Home Equity account, also known as a HELOC, offers the convenience and flexibility of a large credit line and allows you to re-use the funds as you pay the balance. You make the choice-draw on your variable rate line of credit whenever you need or lock in part (or all) of the outstanding balance at a fixed rate and term.

Apply online now, visit one of our 20 branches, or give us a call at 1-800-258-3115.

*Individual rates may vary. 3.50% Annual Percentage Rate (APR) is the variable APR in effect as of April 1, 2016 on lines of credit with an 80% or less loan-to-value (excluding manufactured homes). Lines of credit on manufactured homes and values exceeding 80% loan-to-value have a variable rate of 5.50% as of April 1. The variable APR is subject to change monthly, based on The Wall Street Journal prime rate, and will not exceed 18% over the life of the line. Fixed advances may be taken under the line for a fixed term and APR; ask us for current rates and fee. Property insurance is required. Appraisal may be required and the fee would be a minimum $550.00. We’ll pay your flood determination, title insurance, and recording fees provided any current or prior home equity loan or line of credit with TwinStar was opened or closed more than 18 months ago. Borrower is responsible for any escrow fees if a home equity line requires closing in escrow; applicable fee would be disclosed prior to closing. All loans are subject to credit approval. Property must be owner occupied and located in the states of Washington or Oregon. Interest may be tax deductible for federal income tax purposes. Check with your tax advisor.