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HELOCs & Second Mortgages

Unlocking the available value in your home.

Your house can do even more than provide a home. With a Home Equity Line of Credit or a Second Mortgage, you can use your available equity to fund home improvements, college tuition, bill consolidation and more. Plus, Home Equity Lines and Second Mortgages tend to have more favorable rates than credit cards or personal loans, helping you save with your choice in financing. Our knowledgeable staff can help you access your options and will work with you throughout the application process.

Details for our HELOCs & Second Mortgages

  • You can borrow up to 80% of your home’s value, minus the balance of your 1st mortgage.
  • Low closing costs.


  • Draw on your line of credit as needed when you choose a Home Equity Line of Credit. Our draw period lasts for 5 years, so you can have your line available for whenever you need access to low-cost financing.
  • Rates are as low as the Prime rate.

Second Mortgage

  • Repayment periods as long as 10 years. You can spread out the payments of your Second Mortgage so it easily fits into your budget.
  • No prepayment penalties. We're happy to assist whenever you’re ready to pay off your loan, without adding fees.
  • Lock in a low, fixed rate.

Getting Started

To get started, talk to a member of our lending team by stopping in to our branch or giving us a call at 217-893-8201.

Request an Appointment

Want a free consultation? Complete the form and a member of our lending team will follow up to answer any questions you may have about home loans.
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