Home Equity Loans

Use your home's equity for cash

Home Equity (HELOC) Loans are lines of credit that can be used for purchases at your discretion. Interest is paid on HELOC Loans that can be tax deductible.

  • Maximum line of credit amount equals 90% of the value of the home less the amount of the first mortgage
  • HELOCs are revolving lines of credit with a maximum term of 10 years
  • Minimum monthly payment is 2% of the outstanding balance
  • HELOCs are loans that uses your home’s equity for cash
  • HELOCs have lower fees than a refinance or second mortgage loan


What you will need to start the process:

  • Signed and completed Home Equity Line of Credit Application and authorizations
  • Copy of paystubs covering the last 30 days for the borrower and co-borrower
  • Copy of W-2's for the 2 most recent years for borrower and co-borrower
  • Copy of tax returns for 2 most recent years
  • Copy of last 2 months bank statements for all accounts listed on the application
  • Contact Us Download the Application

HELOC Disclosure - Download the Disclosure 


Report a Lost / Stolen Debit Card

During Banking Hours

After Banking Hours

Telephone Banking Number

You may also report a lost or stolen debit card via online banking or the mobile app.


Meet Our Home Loan Officers

Images.Staff.2016.Chad Herman.jpg

Chad Herman

Real Estate Loan Officer - NMLS #1481079

Chad brings more than 12 years in the mortgage industry to BFH. Having worked in every area of the mortgage department, his behind the scenes knowledge and loan officer experience give him an advantage to really understand the entire mortgage process and make it relatable to his customers. His favorite part of being a... read more

785-458-3176 (Direct)
785-410-9297 (Cell)



Ronda DeVader

Real Estate Loan Officer - NMLS 580132

For more than 21 years, Ronda has guided customers through the complicated process of buying a home and making it as simple and easy as possible. She puts forth great care and pride to ensure every customer is comfortable throughout the process. When she is not working, she loves going to family sporting events and... read more

785-458-3210 (Direct)