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Limited-Time HELOC Special

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Unlock Your Home's Value While Locking in a Great Rate

Are you thinking of a spring or summer remodel or renovation project?  OR do you have any large purchases or expenses on the horizon?  Consider a HELOC from Boone Bank & Trust!   With a limited time offer of up to $250 off your closing costs*, now is the perfect time to start your projects or make those purchases. 

Our HELOC offers a convenient 10-year draw period, with low processing costs and no prepayment penalty.   Simply apply and continue to borrow throughout the 10 years, as needed.  You can advance your HELOC at any time, through online/mobile banking transfers, automatic overdraft balance transfers, or by calling or stopping in the bank.  It's that easy!

HELOC FeaturesHusband and Wife Remodel

  • Variable-rate financing.
  • Access funds when you need them
  • Revolving line of credit - allows you to borrow and pay down, then borrow again as needed.
  • Monthly repayment amount based on outstanding balance
  • Credit available up to 90% of your combined loan to value.
  • Interest may be tax deductible (Consult your tax advisor)
  • Funds may be advanced through online/mobile banking transfers, phone transfers, or in person.
  • Automatic Overdraft Balance Transfer is available
  • Homeowner's insurance is required

Use Your HELOC for:

  • Home Improvements
  • Landscaping
  • Remodeling
  • Education Expenses
  • Emergencies
  • Vehicle Purchases
  • And More!

Apply Today!

Use our easy online application, or call or visit us at one of our convenient locations!

Apply Online 

Contact Us

Contact our Home Equity specialist today:

Nancy Hager, Vice President                                    
Direct Line: 515-212-8908
NMLS 640553                                             
Email Nancy                   

*Customers will receive up to $250 off closing costs on new home equity lines of credit, if opened by June 30, 2025. Not to exceed actual closing costs.  Additional closing costs apply, approximately $150-$325, plus appraisal fee, if required. Subject to loan approval. Variable rate, 120-month term, minimum loan amount $5,000, maximum loan-to-value 90%. Rates range from 7.75% to 8.00% Annual Percentage Rate (APR), based upon the Prime Rate as the index as published in the Wall Street Journal plus a margin, as of 4/15/25, and is subject to change without notice.  Maximum APR of 16.25%.   Promotion excludes home purchase loans, refinances of home loans, and loans for business purposes.  Applies to owner-occupied residential real estate only.  Property insurance required. Consult a tax advisor regarding potential deductibility of interest. No application, annual, or non-use fees associated with this product.  No prepayment penalty.

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