Skip to content

Mobile Banking: Safe, Secure, Simple!
Download our mobile app today. Check out our step-by-step video instructions to get started. 

Plan Today. Protect Tomorrow. Attend an Educational Estate-Planning Seminar

Get Started 863-222-7005

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

Home Equity Made Simple

A Home Equity Line of Credit (HELOC) with: 

  • No-Cost Closing

  • No Payments Until You Use It.

Request a Free, No Obligation HELOC Quote

Real estate sale, home savings, loans market concept_ Housing industry mortgage plan and residential tax saving strategy_ Piggy bank isolated outside -Jun-09-2022-06-21-23-46-PM

Loans subject to credit approval. NMLS #406389 

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?

Artboard 9@2x-2-1

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.

Artboard-2024-icon-medical-office

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.

Artboard-2024-icon-trust

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.

Artboard 19@2x

Remodeling

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

Artboard 20@2x-1

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.

Artboard 24 copy 2@2x-1

Major Life Events

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

Artboard 24 copy 3@2x-1

Higher Interest Debt

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

Artboard 24 copy 4@2x-1

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

Line graph illustrating the decline of several CPG companies compared to S&P 500 growth.

Chart of the Day: Rise of Niche Brands

October 23, 2025

Today’s Chart of the Day from FactSet was included in an article titled, “Startups Are Eating Big Food’s Lunch”, featured in the Wall Street Journal.

Chart showing the changes in public opinion of sports betting, with data from 2022 and 2025.

Chart of the Day: View on Sports Betting

October 21, 2025

With a nod to all the sporting events that take place in the fall, sharing today’s Chart of the Day from Topley’s Top 10, with data from the Pew...

 Stacked column chart showing the ten largest companies in the S&P 500 by ten-year spans.

Chart of the Day: Top 10 Now, Not Then

October 16, 2025

Today’s Chart of the Day is from Mike Zaccardi @MikeZaccardi and shows the ten largest companies in the S&P in 10-year spans for the last 40 years...