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Home Equity Offers


Unlock the Power of Your Home's Equity

A home equity loan or line of credit is an ideal way to finance home improvements, big purchases (like a car), a dream vacation, a wedding, consolidating debt, and more. The amount of equity available in your home is determined based on a percentage of your home's appraised value minus the balance owed on your existing mortgage. Click on the tabs below to learn more about Cardinal Bank Home Equity Loans and Lines of Credit, and a comparison of the two.


A Home Equity Loan (HELOAN) is a loan that lets you borrow a fixed amount of money based on the equity in your home. You receive the money all at once and you can apply to qualify for a HELOAN that takes into account your home’s Loan to Value ratio, payment term, verifiable income and credit history. In addition to borrowing a fixed amount, HELOANs also typically have a fixed interest rate, a fixed term, and a fixed monthly payment.

Use the equity in your home to consolidate credit card debt or finance an addition. A Home Equity Loan is ideal if you have a one-time, immediate borrowing need and like the idea of a fixed interest rate and fixed monthly payment.

  • No application fee and Cardinal Bank will even pay all standard closing costs on new loans up to $250,0001
  • Terms range from 5 to 15 years and are available for new loan applications between $25,000 and $1,000,000
  • Available for 1st Trust Home Equity Loans. Maximum 65% LTV.2

Current Home Equity Loan Rates

3.99% APR*

4.59% APR*

5.09% APR*

Fixed Rate

Fixed Rate

Fixed Rate

5 Year Loan

10 Year Loan

15 Year Loan



To learn more, call the Cardinal Loan Center at 703.246.7347.

Ready to Apply?

<img  data-cke-saved-src='//' src='//' width='1' height='1' /> or visit a Cardinal Banking Office near you.


*Maximum loan-to-value (LTV) = 80% for second trust loans for these rates and requires a direct debit of minimum monthly payments from a Cardinal Bank deposit account.  Terms and conditions: Annual Percentage Rates (APR) effective as of 3/20/17 and are subject to change. APRs reflect 0.50% discount for automatic debit from a Cardinal Bank checking account. A direct debit of minimum monthly payments from a Cardinal Bank deposit account is required to obtain these products at these rates. 1If you close your account within 36 months, closing costs must be reimbursed. No closing costs offer is for standard new loans up to $250,000. These rates apply only to approved second applications with property loan-to-value ratios of up to 80% when the property appraised value of home is up to $2,000,000 and the maximum loan amount is $1,000,000. 2There is a 65% maximum LTV for first trust loans. The maximum debt to income ratio is 43%. The maximum property value is capped at $2,000,000. Payment examples include principal and interest. Payment Examples for 80% LTV loans: $25,000/5-year term would result in 60 payments of $460.34; $25,000/10-year term would result in 120 payments of $260.23; and $25,000/15-year term would result in 180 payments of $198.92. Payments do not include taxes or insurance premiums. Adequate property insurance is required. Title insurance and/or appraisal may be required. The minimum loan amount is $25,000 and maximum loan amount is $1,000,000. Available for owner-occupied primary residences only located in the Washington metropolitan area. No trailers or mobile homes. Cooperatives and purchase money loans are not eligible. Offers subject to credit approval and are for new accounts only. Other products and terms may exist for applications which do not qualify under above conditions. Loan approvals are good for 30 days. Should your loan be approved, additional paperwork and/or information will be required. Interest paid on home equity accounts may be tax deductible. Consult your tax advisor regarding tax advantages.