Skip to content

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

Production of the U.S. penny has officially ended. Learn what this means for you.

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

Timeline chart showing the changes in interest rates from 2020 to 2024.

Chart of the Day: Interest Rate Cycle

February 26, 2026

With the current Federal Reserve Chair’s term set to conclude this May, today's Chart of the Day from YCharts looks back at the interest‑rate cycle...

Father, dog and 2 daughters walking into the sunset on a dirt path.

Why Young Adults Need an Estate Plan (Even If You Think You Don’t)

February 25, 2026

When most people hear the term estate planning, they picture retirees, their parents, or individuals with significant wealth. But the truth is that...

Multiple line-graph charts showing the increase from 2010 to 2025 in the use of Google searches for basic life skills such as how to hang up a picture or how to use a credit card.

Chart of the Day: Help with Adulting

February 24, 2026

Today's Chart of the Day from Chartr shows a steady rise in Google searches for basic “adulting” tasks—from doing laundry and using a mop to filing...