Home Equity Lines of Credit & Loans

Bills to pay or plans to pursue?

With a Home Equity Loan or Home Equity Line of Credit, you can use the equity in your home to finance all sorts of plans and ideas.
Call 866-641-5335 to Apply

With a Banner Bank loan, you'll get:

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Online and mobile banking
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Exceptional client service

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In-house decisions and fast processing

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Clear and responsive answers

Flexible funds when you need them.

Planning a renovation or major purchase? A Home Equity Line of Credit can help you finance it. Draw funds as needed and pay interest only on what you use. Connect with us to learn how much equity you may be able to access. Call us at 866-641-5335 or visit a branch to apply.

See Current HELOC Offer
Home Equity Line of Credit

Use the equity in your home to finance all sorts of ideas». You can even use it to consolidate debt or pay off bills. Flexible options make it easy for you to use the credit in the ways you need it most:

  • Funds can be advanced through a Banner Bank Home Equity Rewards Mastercard®, online transfer or by a telephone request.
  • You can fix the rate for either two, five or 10 years, providing protection from increases in interest rates.
  • Interest may be tax deductible for this loan. We always encourage you to verify with your tax adviser.
Call 866-641-5335
Home Equity Loan

Secure an installment loan for your one- to four-unit family residential property, whether or not you are an owner occupant». It can help you so many ways, beyond just housing needs:

  • Home improvement tasks
  • Debt consolidation
  • College tuition
  • Interest may be tax deductible. Consult a tax adviser to find out.
Call 866-641-5335
What is a HELOC?
A home equity line of credit, otherwise known as a HELOC, allows you to use the equity in your home to finance a variety of expenses.
Get HELOC tips
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Debt can feel overwhelming, but taking action can steer your finances in the right direction.

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Home Renovation Financing Options
One of the first big decisions when starting a home improvement project is planning how to pay for it. See the options we offer to fund your next project.
See Financing Options

Care to chat? Call us to apply by phone.

Monday-Friday 8:00 am - 5:00 pm (Pacific Time)

866-641-5335 | DigitalLenders@bannerbank.com

Call 866-641-5335
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APR (Annual Percentage Rate) as low as 5.29% fixed for the first 12 months or as low as 5.99% for the first 24 months requires a minimum credit score of 750 or greater. Rate includes a 0.50% discount by establishing an automatic payment from any Banner Bank personal checking account prior to closing. Followed by a floating rate of WSJ Prime plus 0.74% with a floor rate at 4.25% APR. The maximum APR that may be imposed is 18.00%. Annual fee of $125 applied on first anniversary and each year after. Maximum Loan to Value is 80%. Excludes existing Banner Bank HELOCs, Home Equity Loans, Bridge Loans and non-owner-occupied transactions. Residential appraisals only, and paid by client. No commercial appraisals and proof of insurance is required. Subject to credit approval. Not all applicants will qualify. Minimum credit of 650 required for program. Available for applications submitted between March 2, 2026 through June 26, 2026.
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Subject to credit approval and at least one of the HELOC applicants and the collateral must be in Washington, Oregon, Idaho or California. View a list of Banner Bank's Mortgage Loan Originators National Mortgage Licensing System ID numbers.

View complete HELOC Product Guide

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