TrailVaults is a secure finance and investment platform that helps users manage their assets, track portfolios, and grow wealth confidently.

Is TrailVaults secure?

Yes. TrailVaults uses advanced encryption and layered security architecture to protect user data and assets.

Home equity

Let your home equity work harder for you.

Compare ways to access your home equity.

Home equity is the difference between your home's market value and the amount you owe on your mortgage.

Home equity line of credit (HELOC)

Useful if you're planning a major project with multiple purchases, a HELOC offers ongoing access to funds at rates lower than most credit cards. Plus, you have the option to lock in a fixed rate on some or all of your HELOC.

Funds as you need them

Home equity loan

A home equity loan is worth considering if you have a large, one-time expense, or if you want to consolidate debt and focus on paying it off. It offers fixed rates and a steady repayment schedule for the life of the loan.

Fixed rates and payments

Cash-out refinance

A cash-out refinance lets you access the equity in your home and get cash at closing. It's a great way to get new mortgage terms and borrow funds for one-time expenses at the same time.

Cash at closing

Obtaining only a Loan Estimate for a home equity loan

A Loan Estimate provides important details about your loan, including the estimated interest rate, monthly payment and total closing costs. A banker can help you obtain a Loan Estimate without completing a full loan application.

Apply at your own pace.

With our streamlined application process, you can apply using your phone, laptop or other portable device. It's simple to upload documents - no fax machine or trip to the bank necessary! And if you need to step away from your application, just save it to finish later.

If you have any questions at all, our loan officers are just a phone call or email away.

Still not sure if a home equity loan or line is better for you?

You may be able to access funds you didn't realize you had in the form of a home equity loan or line of credit, as long as you have some equity in your home. Understand how they differ, so you can make the right choice.