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Home Equity Lines of Credit

Hurricane season is unpredictable. Your finances shouldn’t be.

A Home Equity Line of Credit (HELOC) with a no-cost closing gives you access to funds when you need them most.

CBT HELOC

A Home Equity Line of Credit (HELOC) can be used for storm-proofing your home, covering emergency expenses, handling unexpected repairs, and more. 

Don't wait until it's too late. Start your HELOC application online today!

Apply for a Home Equity Line of Credit with a no-cost closing. With a HELOC, the options are almost endless.

Checklist of Required Documents and HELOC Disclosures

Loans subject to credit approval. NMLS #406389

What Can a HELOC Be Used For?

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Smart Borrowing for Home Protection

Use your home’s equity to invest in storm shutters, a generator, a new roof, or other upgrades that can help protect your property and save on repairs later.

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Peace of Mind Before the Storm

Prepare confidently knowing you have a financial safety net in place for emergency supplies, evacuation costs, or unexpected expenses.

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Access to Funds When You Need Them

A HELOC gives you flexible access to cash, so you’re ready to respond quickly before, during, or after a hurricane.

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Remodeling

Whether you need to upgrade the kitchen or bathroom, or add a garage, a HELOC can fund the project from start to finish.

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Swimming Pool or Patio

Backyard BBQs will never be the same with a new swimming pool or patio. Use a HELOC to cover all the costs, including a new grill.

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Major Life Events

Pay for a wedding, higher education, dream vacation or other major life event.

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Higher Interest Debt

Pay off higher interest debt. Consider consolidating higher interest debt such as credit cards.

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Unexpected Expenses

Cover unexpected expenses. Use a HELOC to repair a leaky roof or replace your worn out air conditioning unit.

Blog

On Our Minds

Blue bar graph depicting the use and user frequency of AI among college students.

Chart of the Day: Artificial Intelligence in College

July 1, 2025

Today’s Chart of the Day is from the Digital Education Council and presented by Bloomberg in an article called “Does College Still Have a Purpose in...

Blue bar chart showing the odds of gains in the stock market over various time frames.

Chart of the Day: Odds of Gains

June 26, 2025

Today’s Chart of the Day is from Ritholtz Wealth Management and shows the odds of having a gain while holding stocks represented by the S&P 500.

Line chart showing the percentage of industrial jobs vs total employment for several countries from 1801 to 2019.

Chart of the Day: Greater Wealth More Services

June 24, 2025

Today’s Chart of the Day was provided by my colleague and fellow Portfolio Manager Angie Parsons from an article in the Economist.