Loans for a Wide Variety of Personal Needs
Existing Equity in Your Home is Used as Collateral Backing
Attentive, Friendly Service from Start to Finish
Local Decision-Making and Processing
Wide Range of Terms Customized to Your Unique Situation
All Loans are Subject to Credit Approval
Features & Benefits
Put the equity you have in your home to work.
Use your home’s equity as collateral — great for home improvements, a new car, medical expenses, or paying off outstanding debts at higher interest rates.
Home Equity Loans
A Home Equity Loan from D.L. Evans Bank gives you the flexibility to tap into the value of your home with the stability of a fixed interest rate. Whether you’re looking for a first or second mortgage, we offer options for both owner-occupied and non-owner-occupied properties. This loan is ideal for major expenses like home improvements, debt consolidation, or other financial needs—providing predictable payments and the peace of mind that comes with working with your local community bank.
All credit products are subject to credit approval.
Home Equity Loans
Put Your Home to Work
Lending Made Personal
Personal Loan Options for Every Need
Whether you’re planning a major purchase, consolidating debt, or covering unexpected expenses, D.L. Evans Bank offers a variety of personal loan solutions to fit your life. Choose from secured or unsecured loans, lines of credit, and more—all with competitive rates and flexible terms. Whatever your goals, our personal loans are designed to help you move forward with confidence.
Can I pay off my D.L. Evans Bank Home Equity Loan or HELOC early without penalty?
Yes, you can pay off your D.L. Evans Bank home equity loan or HELOC early without any penalties. We don’t charge prepayment fees, so you’re welcome to pay off your balance at any time that works best for you. If you have any questions or would like help with the payoff process, our team is always here to assist you!
How do I access funds from my D.L. Evans Bank HELOC?
Accessing your HELOC funds is easy and convenient! Simply log in to Online Banking or Mobile Banking and transfer funds from your HELOC directly to your D.L. Evans Bank checking or savings account. You can do this anytime through our website or mobile app.
You’ll also be able to view your HELOC balance and make payments through these digital channels. If you prefer, you may also visit a branch or use an ATM to access your funds. If you have any questions or need assistance, our team is always here to help!
How do I apply for a Home Equity Loan or HELOC at D.L. Evans Bank?
You can apply for a Home Equity Loan or HELOC in the way that’s most convenient for you. Simply choose one of the following options:
Apply online: Our online loan application is easy, simple, and convenient.
Visit a local branch: Stop by any D.L. Evans Bank location, where our team will be happy to assist you in person.
Use Video Banking: Connect with one of our Digital Bankers through our Video Banking service for a face-to-face experience from anywhere.
If you have any questions about the application process or need help choosing the best option, our team is here to help!
How do I qualify for a Home Equity Loan or HELOC?
To qualify for a Home Equity Loan or Home Equity Line of Credit (HELOC), here’s what you’ll need:
Home Equity: You’ll need to have built up enough equity in your home.
Credit Review: We’ll take a look at your credit history and overall financial picture.
Primary Residence: For a HELOC, your home should be your main residence. Home Equity Loans may also be available for other properties you own.
Eligible Property: Only certain types of residential properties are eligible.
Steady Income: We’ll ask for proof of income to make sure the loan is a good fit for you.
Personal Use: These loans are designed for personal, family, or household needs—not for business purposes.
Every application is unique, and we’re happy to walk you through the process and answer any questions you have. If you’re interested or just want to learn more, please reach out—we’re here to help you make the most of your home’s value!
What's the diffrence between a Home Equity Loan and HELOC?
A Home Equity Loan and a Home Equity Line of Credit (HELOC) are both ways to borrow against the equity in your home, but they work differently. A Home Equity Loan provides you with a lump sum of money up front, which you repay with fixed monthly payments over a set term—making it a good choice if you need funds for a specific purpose or project. In contrast, a HELOC functions more like a credit card: it gives you a revolving line of credit that you can draw from as needed, up to your approved limit, and you pay interest only on the amount you use. This flexibility makes a HELOC ideal for ongoing expenses or projects where costs may vary over time.
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