Home Equity Loans

Use the equity in your home to fund renovations, big purchases, or unexpected expenses. Choose from flexible loan or line of credit options that fit your needs.

Lake Ridge Bank Logo Top

Make the Most of Your Home’s Equity

Turn the value you’ve built in your home into affordable financing for the things that matter most.

Checkmark

Two Flexible Options

Choose a lump-sum home equity loan or a revolving line of credit (HELOC).

Checkmark

Competitive Rates

Enjoy lower interest rates compared to credit cards or personal loans.

Checkmark

Local Guidance

Our lending experts help you choose the right option and walk you through every step.

Checkmark

Ongoing Access

With a HELOC, borrow what you need, when you need it, as expenses come up.

Put Your Home’s Equity to Work

house money icon

Home Equity Line of Credit (HELOC)

Borrow what you need, when you need it. A HELOC gives you flexible access to funds for big expenses with interest-only payment options and competitive rates.

Apply Now
home mortgage icon

Home Equity Loan

Get a lump sum at a fixed rate to cover major costs like home repairs, education, or medical bills. Enjoy predictable payments and potential tax benefits.

Apply Now

Here to Help You Borrow Smarter

bill pay icon

Personal Loans

Need flexibility but don’t want to borrow against your home? Personal loans offer a fast, unsecured option for funding what matters.

Compare Personal Loan Options
home mortgage icon

Refinancing

Refinancing your mortgage may give you access to cash—while also lowering your rate or monthly payments.

See If Refinancing Makes Sense
Money Transfer

Construction Loans

Planning major renovations or an addition? A construction loan may offer more structured financing for large-scale home projects.

Fund Your Next Big Project
overdraft icon

Overdraft Protection

For smaller short-term needs, overdraft protection adds an extra layer of coverage—no loan application required.

Cover Life’s Little Surprises

See Our HELOC Special

Banknotes Blog

View All Posts
Professional speaking to client

Making Banking Easier: Why Managing Investments In-House Matters

There are many factors to consider when choosing the right team to protect your finances and grow your net worth. One little-discussed factor that could play a role in the decision is whether your team
Read Post
Wisconsin School of Business - Family Business Center and Lake Ridge Bank

Mixing Business with Family: Connect with the Wisconsin Family Business Center

Beginning in 2018, the TV series Succession became a cultural phenomenon that appalled viewers with the antics of the Roy family as four siblings vied for control of their aging father’s company, worth billions of
Read Post
business man looking at reports

Market Report: June 2026

Alternative Reality Several years ago, an alternate history television series aired called The Man in the High Castle. The series depicted a dystopian world set in 1962 after the Germans and Japanese supposedly won World
Read Post

CEO Insights: Seven Ways Community Banking Aligns With Common Values

I hear it often: “Aren’t all banks basically the same?” From the outside, I understand why it can feel that way. But as we recently marked Community Banking Month, I found myself reflecting on how
Read Post