For Repairs, Renovations, and Other Remedies
Home Equity Lines of Credit
Our home equity line of credit (HELOC) allows you to use the equity in your home to create a flexible and affordable way to meet your borrowing needs. Here are some common HELOC applications:
- Home improvements
- Major life events
- Education expenses
- Debt consolidation
- Emergency reserve
- And more
Apply for a Home Equity Line of Credit
Ready to put your home’s equity to work? Complete our fillable PDF application to get started.
HELOC Application
For your security, please submit your completed application using the Secure File Upload link below or return it to your local Citizens Bank of Kansas branch. Do not send your application by email.
Secure File Upload
Need more time? Download the PDF and save it to your device so you can complete it later.
Home Equity Loan
Designed for larger borrowing needs, this loan offers a fixed rate for five years, with fully amortized principal and interest payments.
- Minimum loan amount $10,000
- Fixed rate for five years, then adjusts annually
- Primary residence
- Useful for large home improvements and other capital needs
Mortgages
If you're looking for a more traditional mortgage we an help there as well. Learn about the various types of mortgages offered by Citizens Bank of Kansas.