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Home Equity Lines

Whether you are remodeling your home, sending your children to college, or purchasing a new car, UCB's home equity lines give you flexible ways to meet your borrowing needs using the equity of your home. Our EZ Equity Lines programs 1 (EZ HELOC) can help you:

Maximize Your Borrowing Power

Your equity may be used as an asset to help meet your present and future financial needs. Find out how much equity you have available using the following table.

Calculate Equity You Have Available
  SAMPLE HOME YOUR HOME
Appraised value of home $200,000 $
Multiply by 75% loan-to-value ratio 2 x         .75  x
Maximum line amount possible =$150,000  =$
Less mortgage debit, if any - $120,000
  -$
Potential line amountPotential line amount = $30,000  =$

Get Easy Access to Cash & Flexible Repayment

You can obtain advances of credit simply by writing a check or requesting a cash advance at any of our conveniently located branches. You can also withdraw or pay your EZ HELOC online anytime, anywhere. Since this is a revolving line of credit, you can pay off part of, or the entire outstanding balance at any time 3, and that amount will become immediately available for use again.

Take Advantage of Possible Tax Deductions

Your savings could even be greater because you can usually deduct the interest you pay on your home equity account. 4

It is EZ to Borrow

EZ Home Equity Lines of Credit (Limited Documentation)

  • Maximum combined loan-to-value ratio up to 75% 2 for a maximum credit line of $250,000
  • No tax return, pay stub or W-2 required
  • Attractive introductory rate

1. 1-unit owner occupied residential properties are eligible for UCB EZ Home Equity Lines. Combined loan amount of the first and second mortgage must not exceed $1,000,000. Only properties located in the states of California, Georgia, Maine, Massachusetts, New Hampshire, Rhode Island, New York, New Jersey, Connecticut or Washington are eligible for securing our home equity lines of credit.   2. The maximum combined LTV ratio are offered only when United Commercial Bank is the holder of the first deed of trust or the FICO score is 700 and over.   3. Early account closing fee applies if an account is closed within three years (or full closing cost for property located in the state of New York), unless the property securing is sold and such evidence is provided.   4. Consult your tax advisor for details.   

Please contact us for more information or for an application.