Your home provides shelter, comfort, and memories. It can also become a source of funds for additional needs with the help of Pony Express Bank

Details
  • Competitive rates for short-term or one-time needs:
    • Education expenses
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And more
  • The existing equity in your home is used as collateral backing
  • Loan amount based on loan-to-value ratio
  • Accommodating repayment terms that work uniquely for you
  • The interest paid may be tax deductible*
  • No prepayment penalty
  • Receive funds in one lump sum
  • Local decision-making and processing
  • Detailed, attentive service from start to finish
Home Equity Line of Credit (HELOC)

Get pre-approved for a credit line and then use the funds as needed. Pay interest only on what you use, and tap back into your line without re-applying.

  • Competitive rates for ongoing or seasonal needs
  • The existing equity in your home is used as collateral backing
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Funds easily available via check writing
  • The interest paid might be tax deductible*
  • No prepayment penalty
  • Local decision-making and processing
  • Detailed, attentive service from start to finish
*Consult a tax advisor