Make your home equity
 work for you

Home prices are at historic highs, and many homeowners have more equity than ever to use to their advantage. Tapping into your equity with a HELOC or HELOAN could help you pay off high-interest debt, make a large purchase, or give you cash to use however you’d like.


Competitive rates


Flexible options

What is a HELOC?

A home equity line of credit (HELOC) gives you a line of credit at an adjustable rate, secured by your home's equity. It's like having a flexible credit card for homeowners, letting you borrow funds as needed while only paying interest on what you use. Here's why a HELOC might be the right choice for you:

Grants financial flexibility by giving you continuous access to cash for any need

Has interest-only payment options

You can keep the line of credit open for a rainy day

What is a HELOAN?

A home equity loan (HELOAN) is a fixed-rate loan secured by your home equity, providing a lump sum upfront rather than a line of credit. Whether you have immediate expenses or prefer consistent monthly payments, a HELOAN could be right for you. Here's why you might opt for a HELOAN:

Provides a lump sum of cash for any immediate need

Perfect for large, upcoming, or one-time expenses

Enjoy the stability of a fixed interest rate and consistent monthly payments

Ways to use a Valon home equity product

Consolidate Debt

Are you paying on credit cards, personal loans, or other high-interest debts? With a home equity loan or home equity line of credit, you can consolidate debt, pay less interest, reduce your total monthly payment amount, and pay off your debt faster.

Make a Large Purchase

Thinking of a home remodel, or facing a large repair bill? Use your home equity to get the cash you need without affecting your current interest rate.

Use How You’d Like

Our home equity products let you access cash to use how you’d like. There are no restrictions on the use of your cash, and Valon offers interest rates that are lower than traditional credit cards. Pay bills, take a vacation, put a down payment on a car—the choice is yours.

Our simple application process

Get approved and close your HELOC or HELOAN quickly and painlessly.



Our online application pulls in information automatically, reducing the amount of work you need to do.


Get approved

Our lending team will help you find the right loan option to meet your goals.


Close your HELOC or HELOAN

We make closing simple and will work on your time.


Manage your HELOC or HELOAN

Make payments and track your progress.

Ready to get started?

Call 833-889-0613 to speak to an agent today