Home Equity Line of Credit

Rates as low as 8.50% APR* 

Tap into the equity built in your home and access cash when you need it most.



Apply Now!



Whether you are remodeling your home, making upgrades and improvements, or need extra cash for college tuition or even a car purchase, let SMW Financial help. Our Home Equity Line of Credit program offers the following benefits:

  • Draw on your line as needed without the need to re-apply
  • Easy access to funds
  • Interest charged only on the amount you borrow
  • Financing available for up to 90% of your home's value
  • 15 year draw period

To get started today just call one of our expert Loan Officers:


Matt at (651) 747-1565 in Lino Lakes

Nick at (651) 747-1512 in Maplewood

Chris at (651) 747-1513 in Maplewood

*APR= Annual Percentage Rate.  All HELOC loans offer a 15 year draw period followed by a 15 year repayment period. Minimum payment 1% of loan balance or $100 whichever is lower. Rate varies with the Wall Street Journal Prime. Maximum rate adjusted plus or minus 2.00% per adjustment period if the WSJ Prime changes.  All rates are quoted on approved credit as Annual Percentage Rates (APRs) and may be subject to pricing add-ons related to credit score. APR includes $50 annual fee. Loan approval is subject to credit, income and property valuation. All HELOCs are variable rate loans and rates are subject to change daily and without further notice. The maximum rate ceiling is 18.00%. Loan closing fees and costs range from $200- $2,000. Property insurance is required. Promotion offered for a limited time and may be discontinued at any time without notice. HELOCs available exclusively for primary residences in MN or WI. Equal Housing Lender