Reinvest in your Home's Equity with ESL

Tap into your home equity to fund renovations that will pay off for years to come.

Summer projects don’t just make your home more enjoyable to live in — they also boost its worth. With an ESL Home Equity Line of Credit, you can tap into your home’s equity, upgrade your living environment, and build even more value.

Home Equity Line of Credit

Leverage your home's rising value to borrow what you need, when you need it.

Home Equity Line of Credit

Flexible & Accessible

Special 12-Month Introductory Rate at
4.50%APR1
with an LTV up to 90%.
THEN
8.00%APR1
with an LTV up to 80%.
APPLY ONLINE

Possibilities Within Your Reach:

  • Leverage your home's rising value to save money
  • Build more equity in your home with improvement projects
  • Refresh your space with new upgrades
  • Consolidate higher-interest rate debt

Why Choose ESL?

  • No closing costs2
  • Potentially more earnings every year through our Owners’ Dividend3 program
  • Unwavering support and personalized guidance from our team

Borrow what you need while you create your dream home.

APPLY

You have options. Learn how an ESL Home Equity Loan can support your home improvement goals.

1: Rate shown as of 6/1/25 and is subject to change without notice. The introductory rate is fixed for 12 months from the time of closing. Thereafter, the contract rate is based on Prime Rate plus your contract margin and may vary monthly but never exceed 15.9%. The Prime Rate was [current prime rate] as of [current prime rate date] and rate featured is based on a loan-to-value ratio up to 80%. There are other rates available for a loan-to-value exceeding 80%. Minimum line amount is $5,000. Offers are for new accounts only and subject to credit approval. Actual rates may vary.

2: ESL pays for all closing costs and fees. However, if you close your account within the first 36 months of your account open date, you must reimburse us for actual costs and fees paid in connection with opening your account. Property insurance and flood insurance, if applicable, are required.

3: Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.