This website requires Javascript to function correctly

See All | Contract

Unlocking your home's possibilities


Unlock your home's possibilities


This year, while rates are going up, Smart Financial's rates are going down!


Take advantage of the equity in your home


Apply for a Home Equity Loan today!


Apply Now


Home Equity Loans are designed to give you maximum benefits!

We offer several types of Home Equity options to help you save on monthly payments, plan your dream vacation, consolidate debt, build a backyard pool, pay for college, or have a little spending cash. Home Improvement Loans are also available.

Home Equity Loan Example

You may save thousands when you apply today!

 *No closing costs on loans less than $150,000 unless appraisal needed. Annual Percentage Rate effective as of 2/15/2018. Rates subject to change. All loans subject to creditworthiness. Home Equity Loan rates shown are for the 1st lien position. The maximum amount you can borrow with any Home Equity Loan is 80% of your home’s appraised value. 1st Lien Position example: A loan of $50,000 for 10 years at a fixed interest rate of 3.49% would yield a payment amount of $495.00 per month and an annual percentage rate (APR) of 3.50%. The example is intended for illustration purposes only. Actual rates and payments could differ.