Home Equity Line of Credit

Put your home to work.  

Whether you're looking to pay off high-interest debt, renovate your home, or pay for college, OptionLine, our home equity line of credit, is there when you need it. 

OptionLine lives up to its name. You have the option of converting all or some of your floating rate balances to a fixed-rate term loan and back again up to three at a time -- so it's easy to take advantage of the best rates available.

Flexible

• OptionLine is a variable rate line of credit with interest only payments
• As you draw from your line, you can lock in up to three balances at a fixed rate, with a fixed monthly payment¹
• After you lock in your balance, choose from terms ranging from 6 months to 15 years

Affordable

• Competitive interest rates based on market conditions
• Most closing costs are waived for primary residence OptionLines up to 85% loan-to-value ratio
• The interest you pay may be tax deductible²

Convenient

• Access your available funds anytime 
• Advance money online, by check, over the phone, or in a branch
• Connect it to your Fulton Bank checking account as overdraft protection for added security

OPTIONLINE FOR YOUR PRIMARY RESIDENCE

Use your home as collateral and borrow up to 85% of the value of your home, less any existing mortgage debt, as our standard product. Higher loan-to-value ratios may be available if credit qualifications are met.

OPTIONLINE FOR YOUR INVESTMENT PROPERTY 

Use your investment property or rental unit and borrow up to 75% of the value of the property less any existing mortgage debt.