WesBanco home equity lines of credit.

Home Equity Lines of Credit (HELOCs)

A HELOC leverages the equity in your home to secure a credit line for other borrowing needs

Your home may be your biggest investment. Now that investment can start returning dividends – with a home equity line of credit from WesBanco. Home equity lines of credit often have low interest rates and a flexible borrowing structure, making them a beneficial loan for home improvement costs, bill consolidation, tuition and more. The loan amount available to you is based on the equity built up in your home and is often distributed in a draw period (where you can borrow and repay as needed). At the end of the draw period you begin to make amortized payments of principal and interest on the balance of your loan.

Most HELOCs are revolving credit lines during the draw period, which means you can repay the line and borrow from it again. For example, if you borrow $5,000 for home repairs and pay that back within the draw period, it becomes available to borrow again.

Apply for a WesBanco HELOC that meets your borrowing needs

A WesBanco Home Equity Line of Credit (HELOC) is a variable rate, revolving line of credit with tons of flexibility. Our HELOC options let you lock in a fixed rate on all or a portion of the balance, so you can pay a low, fixed rate for a fixed term. Plus, you can keep up with the latest activity and manage your WesBanco HELOC accounts at any time, day or night with our online and mobile banking. Learn more about our home equity lines of credit to choose the right option for your expenses.

Cover Expenses with a Home Equity FlexLine of Credit

A Home Equity FlexLine of Credit is a low-cost, flexible way to use the equity in your home to finance just about anything – whether you’re updating your house, paying off debt, covering tuition or taking a dream vacation! The credit line is yours to use as you please during the 15-year period, though it’s important to remember the loan is leveraging your home as collateral.

  • One-time application.
  • Convenient transfers with online and mobile banking to a WesBanco checking or savings account for advances.
  • Interest-only payments for the 15-year draw period.
  • The flexibility to lock the entire balance, or an identified portion into a fixed rate at any time during the 15-year draw period.
  • Ten-year principal and interest payback on the outstanding balance at the end of the draw period.
  • Plus, a .25% rate discount when you set up automatic payments from a WesBanco checking or savings account.

Buy a Home with a Home Equity BridgeLine of Credit

Managing finances to buy a new home while selling a current home can be easy with a Home Equity BridgeLine of Credit from WesBanco. Our BridgeLine is a credit line that taps into the equity in your current primary residence to purchase a NEW primary residence. You can streamline the buying and selling process by using equity in your home – even if it’s currently on the market listed for sale! Then, you can leverage the proceeds from the sale of your home to pay down your home equity line of credit.

  • Revolving line of credit ranging from $25,000 - $1,000,000.
  • Convenient transfers with online and mobile banking to a WesBanco checking or savings account for advances.
  • Interest-only payments for the 15-year draw period.
  • The flexibility to lock the entire balance, or an identified portion into a fixed rate at any time during the 15-year draw period.
  • Ten-year principal and interest payback on outstanding balances at the end of the draw period.
  • Plus, a .25% rate discount when you set up automatic payments from a WesBanco checking or savings account.

Renovate Your Home with a Freedom Home Improvement Line of Credit

Home repairs and renovations are no problem with our Freedom Home Improvement Line of Credit. It’s a manageable way to cover the cost of updates that increase the value of your home. Whether it’s replacing windows and flooring, adding an addition or re-siding your house, WesBanco can help with the financing! Borrow what you need, as you need it during the two-year draw period to cover renovation costs for materials or contractor fees. HELOC range is subject to approval based on the equity available in your home.

  • Revolving line of credit ranging from $1,500 - $20,000.
  • Convenient transfers with online and mobile banking to a WesBanco checking or savings account for advances.
  • Two-year draw period with 7-year repayment period.
  • Fixed-rate HELOC with principal and interest payments.
  • .10% rate discount for auto debit from a WesBanco checking account
  • Applicant income and area limits apply*

*Product only available within the Bank’s Assessment Areas. Rates and terms are available upon request. Mobile homes are eligible if they are permanently affixed to the real property owned by the titleholder to the mobile home. Other terms and conditions apply.

Subject to credit approval.

For all customer service needs, including a lost or stolen debit card, please click the CUSTOMER SERVICE tab above or contact us at
1 (800) 905-9043.

WesBanco Bank, Inc. is a Member FDIC