Unlock your home's value with a HELOC.
You probably have equity in your home. Our low rate Home Equity Line of Credit solutions will allow you to access that without refinancing or selling. We'll also pay your closing costs!*
*APR = Annual Percentage Rate. Rates on these loans are variable and are subject to change without notice. Maximum APR is 18.00%. Rates advertised are based on a maximum combined loan-to-value (CLTV) of 80%. No Closing Cost Option available if initial draw is $15,000.00 or more. If less than $15,000.00 you will be charged third party fees ranging between $500.00 and $1,700.00. If balance is paid off or plan is closed within 48 months of being opened you must reimburse to HAR-CO third party fees paid for you. The HELOC program is available in MD, PA and DE. Property insurance is required. Flood insurance may also be required. Loan subject to credit approval. Membership eligibility required. Ask for details.
You will be responsible for any remaining closing costs above the $2,000.00. Har-co paid closing costs must be recouped prior to closing or refinancing the HELOC in order to not have to reimburse Har-co for the actual 3rd party closing costs that it paid on your behalf. The HELOC program is available in various counties in MD, PA and DE. Property insurance is required. Flood and Title insurance may also be required. Loan subject to credit approval. Har-co membership eligibility required. Ask for details.
Har-co HELOC Benefits.
Your neighbors are here to lend you a helping hand. Buy your first home for less.
Apply online
Unlock the potential value of your house
Up to $2,000 in closing costs!
80% and 85% LTV Options
Competitive Interest Rates
Available for MD, DE and PA
Local direct lender for fast, smooth transactions
*You will be responsible for any remaining closing costs above the $2,000.00. Har-co paid closing costs must be recouped prior to closing or refinancing the HELOC in order to not have to reimburse Har-co for the actual 3rd party closing costs that it paid on your behalf. The HELOC program is available in various counties in MD, PA and DE. Property insurance is required. Flood and Title insurance may also be required. Loan subject to credit approval. Har-co membership eligibility required. Ask for details.
More services.
Introducing your pass to Harford County, with the all-new Har-co Card. 5% Cash back on local businesses and 2% on all other purchases.
Visit the dealership prepared with a blank pre-approved check. Spend less time haggling at the dealership and go in prepared to drive out with your dream car.
Login to your online banking portal to track and manage all of your Har-co and no Har-co finances in one place. Set budgets and goals. Learn more about your money today.