Home Equity Lines of Credit

Ent’s home equity lines of credit can help you make home improvements, consolidate debt or finance other large purchases. A home equity line of credit will generally have a lower interest rate than the average credit card (or other unsecured credit) and the interest you pay may be tax deductible.*

All Ent Home Equity Lines of Credit offer:

  • No closing costs for qualified borrowers **
  • Low, interest-only payments during the draw period; and a fully amortized repayment period
  • No application fee or cash advance fee
  • Ent Extras, a hassle-free annual reward, only at Ent.

A line of credit gives you easy access to the funds you need to enjoy life. For instance, if you finance a $35,000 kitchen remodel, your monthly interest-only payments would be approximately $126*.

Now is the time. Lock in today's low rate for 10 years with a Standard Rate plan, take advantage of a low variable rate options or a one year draw for short term expenses
A good choice if you want ongoing access to funds at low rates for 10 years.
• A fixed rate during the draw period and a one-time rate adjustment at the beginning of repayment.
• 25-year term with a 10-year draw period and a 15-year repayment period.
• A good choice if you are comfortable with fluctuating rates and will not carry balances for extended periods of time.
• A variable rate through the life of the line of credit.
• 25-year term with a 10-year draw period and a 15-year repayment period.
• A good choice if you have short-term expense needs.
• No rate adjustment throughout the life of the line of credit.
• 16-year term with a 1-year draw period and a 15-year repayment period.

Apply online , by phone at (719) 574-1100 or 800-525-9623 or at a service center today!

*APR=Annual Percentage Rate. Lowest rate shown is for well qualified borrowers and includes an Ent automatic payment and electronic disclosure discount and loan to value of 80% or less. 

**Home equity lines of credit are eligible when the credit union controls total payoffs equaling $25,000 or more to other creditors and available for loan requests for up to $70,000 when the loan to value ratio is 70% or less. No refinancing of Ent loans. If the line of credit is paid off and closed within 36 months, borrower will be required to reimburse closing costs. Closing costs may range form $100-$1000. Other restrictions may apply. Higher loan to value options available.

Standard credit qualifications apply. Loans subject to final credit approval. Financing available on owner-occupied homes throughout Colorado. Property insurance is required. Consult a tax advisor for further information regarding the deductibility of interest and charges. Please refer to Ent's Important Loan Information and HELOC pre-disclosure  for more information





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