Home Equity Line of Credit

Smiling couple speaking with a home equity line of credit agent

Borrow From Your Own Home Equity

Consider a home equity line of credit (HELOC) when you want to finance purchases or consolidate debt, with easy access to funds, no prepayment penalty, and no minimum credit score, if your current credit history of paying bills is as agreed.

The Bridge to Home Saver Equity Line of Credit (HELOC) program offers flexibility to easily access available funds now and in the future. Use funds to finance a big purchase, consolidate debt, or fund home improvements. You can withdraw money as you need it and make additional payments in addition to your interest-only payment if you choose to.

Our HELOC program features include no prepayment fee or early closure penalty, and the ability to take the available funds as you need them, within the first ten years.1  There is no minimum credit score required, if your current credit history of paying bills is as agreed.

Find a loan officer in your neighborhood today to learn more about our HELOC program or to start an application.


Refinance and Cash-Out refinance


10 Years Draw + 20 Years Repayment

Maximum Loan Amount


Maximum Loan to Value

$0 to $1,000,000, 60%;
$1,000,000 to $1,500,000, 50%


Owner-occupied/Second Home/Investment

Property Type

  • Single Family Residence (1-4 units)
  • Condominiums
  • Planned Unit Developments
  • Townhomes (1-4 units)

Eligible Borrowers

Individuals (including married or joint applicants), LLCs, Corporations, Trusts, Foreign Nationals, and Non-Permanent Resident aliens.

Access Method

  • Credit line checks
  • Access your account through EWB Online Banking 2
  • Contact East West Bank Loan Servicing for manual advance

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