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Home Equity Loans

Perhaps you are one of the many homeowners who refinanced their residences in recent years to take advantage of declining interest rates. Now you can preserve that low interest rate and still make the most of your growing equity to finance home improvements, college tuition, travel or whatever your financial needs are.

Ready to Apply?

1. Fill out the online application  
2. We will send email confirmation by the end of the next business day
3.  You will receive paperwork in the mail. Fill out, sign and bring into any of our office locations.
» Apply for a Home Equity loan now


How it Works
With a VISA Home Equity Line of Credit through LANB your house will serve as collateral for a pre-determined credit limit. Use this money as you see fit. Fix up the basement, landscape the yard, send your kids off to college or use it for an emergency.  Your available line of credit is based on a simple equation involving the appraised value of your home and the amount remaining on your mortgage.  Once you're approved, you can draw from the credit line for a fixed period--such as 10 years--before the balance is due or the credit is extended.

* Most home equity lines have a 5% floor and 18% ceiling. Please contact our loan department for updated rates. LANB reserves the right to change its rates.

APR for
Purchases

Grace
Period

Method of
Computing Balance

Annual 
Fee

 WSJ*
  prime

None 

Average Daily
Balance

None

Late Fee 

Over Limit Fee 

Research

Returned
Check Fee

4% of balance
($25 minimum)

$25

$25/hr

$25


The Equity Account is a loan with a minimum credit line of $10,000, secured by your primary residence. Funds are available up to your approved credit limit, ready to use whenever you wish for any reason you choose. Travel Accident Insurance: $150,000

Charges are due and payable upon receipt of the periodic statement and must be paid no later than 15 days after receipt of statement

** NMLS #: 546116

Interest Rates

New Car Loan Rate
4.500% IR : 5.120% APR

Used Car Loan Rates
4.500% IR : 5.120% APR

Home Equity LOC
5.000% IR : 5.000% APR

View Rates