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Southern Michigan Bank & Trust
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| Access to fundsFinance home improvements, consolidate debt, help pay for college, or purchase the boat you’ve always wanted. WHAT IS A HELOC? A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by the value of your home. LOANS UP TO 90% OF YOUR HOMES APPRAISED VALUE Whether you are looking to finance a small purchase, or large purchase, a HELOC has you covered. CHOOSE YOUR RATE STRUCTURE We offer both variable and fixed rates line of credit options. MANAGE YOUR ACCOUNT ONLINE Easy access to your funds. OTHER FINANCIAL BENEFITS HELOC’s often have a lower interest rate than other types of loans or credit cards. The interest paid may also be tax deductible (consult your tax advisor). *Loans up to 90% of your homes appraised value if SMB&T holds their first mortgage, or 80% if with another lender. Interested in a HELOC? Contact us today! Contact Us: https://www.smb-t.com/contact | WithheldSouthern Michigan Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |
| Access to fundsHOME EQUITY LINE OF CREDIT (HELOC) WHAT IS A HELOC? A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by the value of your home. No geographic restrictions of income limit. Loans up to 90% of your homes appraised value. Choose between variable and fixed rate structures. HELOC's often have a lower interest rate than other types of loans or credit cards. The interest paid may also be tax deductible (consult your tax advisor). All loans subject to approval. SMBT NMLS #480296 Apply Now: https://mysouthernmortgage-portal.smb-t.com/#/get-started | WithheldSouthern Michigan Bank & Trust · Page Capture Oct 5, 2026 · Captured Oct 5, 2026 | Website |