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Home Equity Loans

If you’d like to use the equity in your home to make a major purchase, remodel, or meet other expenses, consider a Home Equity Loan from CB&T that offers a fixed loan amount with set payback terms.

Loan amounts

$10,000–$500,000+

Interest rate

  • Competitive interest rates
  • 0.25% discount for maintaining automatic payment from a CB&T Deposit account
  • May be tax deductible. (Consult your tax advisor regarding your deductibility of interest.)

How to apply:

Contact your branch or call TeleLoanTM at (800) 429-7685.

Please have this information ready when you call TeleLoan:

  • Social Security Number and date of birth (borrower and co-borrower)
  • Home address and phone number/mailing address if different from home
  • Previous address if at residence for less than 2 years
  • Two-year employment history, plus employer(s) names/phone numbers
  • Gross monthly income
  • W-2 (2 years) and 30 days of most recent paystubs; if self-employed, last 2 years' personal and business tax returns and applicable K-1s
  • Retired individuals - Awards letter indicating the amount of the monthly or annual income showing continuance for at least three years; and/or Benefit verification letter issued by the Social Security Administration
  • Value of collateral (i.e. real estate, stock, savings account, etc.)
  • Copies of real estate deed(s) or current loan statement(s)
  • Name/phone number of nearest relative(s) not living with you
All loans subject to credit approval. Restrictions apply; see banker for details.