
Home Equity Line of Credit
Convert the equity in your home to flexible, accessible funds.
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, Affordable, Convenient
- 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 payment.1
- After you lock in your balance, choose from a range of terms.
- Competitive interest rates based on market conditions.
- Most closing costs are waived for primary residence OptionLines up to 80% loan-to-value ratio.
- The interest you pay may be tax deductible.2
- Access your available funds anytime.
- Advance money online, by check, over the phone, or in a financial center.
- Connect it to your Fulton Bank checking account as overdraft protection for added security.
PRIMARY RESIDENCE
Use your home as collateral and borrow up to 80% of the value of your home, less any existing mortgage debt, as our standard product.
Collateral Explanation:
- Holding residential real estate that is the owner's primary dwelling.
- To apply online, make sure you have your mortgage balance, current home value, and purchase price.
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.
Collateral Explanation:
- Holding non-owner occupied residential real estate that does not include a secondary residence or vacation home. Please contact a local Financial Center for loans using secondary or vacation homes.
- Funds must be used for Consumer Purposes
- If the funds will be used to improve a rental property, refinance a rental property, or purchase a rental property, contact a Business Banking Specialist at your local Financial Center
- To apply online, make sure you have your mortgage balance, current home value, and purchase price.
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