Hamilton State Bank | Personal Banking | Loans and Lines of Credit

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Loans and Lines of Credit

Giving you the help you need to get that new house, pay for college or just manage your debt is the charge behind our Freedom Accounts. We offer a wide array of products that are best suited for your needs. To learn more see below and then give us a call so we can come up with a plan that is right for you.

Home Equity Lines and Loans

The equity in your home can be one of your greatest assets. You can use the equity in your home to manage debt, pay for college or simply have access to resources to help make your dreams come true. Our home equity products typically offer lower rates than other personal loans and just like your home, the interest may be 100% tax deductible (consult your tax advisor for details).

A Home Equity Line of Credit could be right for you if:

You don't have a specific amount in mind,
Would like to draw from a reusable source of cash as needed,
You want the flexibility of a variable interest rate,
You are looking for tax deductibility.

A Home Equity Loan could be the perfect financial tool for you if:

You know how much cash you need,
Want to receive the entire amount up front,
Like the security of knowing what your monthly payments will be and when the loan will be paid off,
Would like some tax deductibility.

Mortgages

Buying a home is a big commitment. It can be a complicated and confusing process - but it is also an exciting step to achieving financial freedom. Whether you are a first time home buyer, or are a current homeowner looking for refinancing options or a new mortgage, Hamilton State Bank can help you make the decision that's right for you. We offer a variety of competitive mortgage rates with affordable down payments and low closing costs. Stop throwing money away and start building equity in your own home— we'll show you how.

Personal Lines of Credit

A line of credit is like having a spare tire — it's nice to know it's there. Use your line of credit for sudden expenses or to take advantage of opportunities. Whether you use your line of credit as overdraft protection for your checking account or you keep the line of credit "just in case," the security of having the funds available when you need them is nice to have. You can access your line of credit by writing a check, online, by phone or in person and take advantage of our competitive rates and quick approvals.