Home Equity Line of Credit

Equity Choice Line of Credit

  • No origination fees or closing costs
  • Lines up to $2,000,000
  • Up to 80% Combined Loan to Value (CLTV)
  • 10-year draw period
  • Variable interest rate, during the draw period
  • Published rates include a 0.25% discount for automatic payment from a Bank of the West checking account

Home Equity Line of Credit Options Include:

Platinum Equity Choice Line of Credit

  • First lien position
  • Owner occupied only
  • Often used for home improvements, education expenses, large purchases or life events

Gold Equity Choice Line of Credit

  • Second lien position
  • Non-owner occupied properties acceptable (subject to specific terms and conditions)
  • Often used for home improvements, education expenses, large purchases or life events

Fixed Rate Loan Option

  • This feature converts a portion or all of your variable rate balances from an Equity Line of Credit, up to your credit limit, to a fixed rate loan, without the need to re-apply each time
  • Bank of the West allows a maximum of three fixed rate loan options at any one time
  • One combined monthly statement shows both your variable line of credit and fixed rate loan activity

Check the latest Home Equity Rates and Important Disclosures

Apply Now

To apply you'll need:

  • Asset information
  • Employment and income history - At least 2 years
  • Debt information
  • Social Security or Taxpayer ID Number (TIN)

Check the latest Home Equity Rates and Important Disclosures

Apply Now

Subject to credit approval. Certain restrictions may apply.

Access your Line of Credit

Four Easy Ways to Access your Line of Credit

  • 1. Write a Convenience Check
  • 2. Transfer funds through Bank of the West Online Banking
  • 3. Contact your local banker
  • 4. Or, call us at (800) 827-7500

Check Rates

View current Home Equity Rates and important credit disclosures to make an informed decision.