young couple dancing in a white remodeled kitchen after getting a home equity loan

Keep on Dancin’ With a Home Equity Loan.

You worked (and saved) hard to find your home sweet home, so why delay that kitchen renovation, pool installation, college payment or long-awaited vacation another moment? You shouldn’t. Let’s get you started right away.

Contact a Lender

Young woman beside ladder smiling about her home renovation

Special Offer for Home Projects

Brighten up your home with rates as low as 6.18% APR and no closing costs, now through April 30.1

Find a Lender

Dream On.

By borrowing against your home’s equity, you’ll immediately gain more spending power, allowing you to pursue a dream project or address another expense. Accomplish more with your home investment – our personal lenders will be with you every step of the way. Plus, with our home improvement loans, you can:

  • Enjoy tax-deductible options

    (Just be sure to consult your tax advisor to confirm.)

  • Borrow up to 90% of your home’s value

  • Experience wonderful, local service

  • Use easy digital signing options from virtually anywhere

Ask a Lender


The Equity in Your Home

The amount of equity available for a home equity loan or home equity line of credit is determined by the loan-to-value ratio of the home and the ratio requirements of the lender. A loan-to-value ratio is calculated by taking total mortgage debt (including any second mortgages or existing home equity loans) and dividing it by the current, appraised value of the home. The size of a home equity loan or line of credit will also depend on the loan-to-value requirements of the lender. Higher loan-to-value requirements can result in larger home equity loans or lines of credit.

Or Try One of These Flexible Options:

experience your next adventure with a gate city bank personal loan

Personal Loans

When you close a personal loan with us, you can easily drive home that perfect car, take out the boat, get away in your ice house or plan the other escape you’ve been dreaming of! You’ll experience low rates, flexible terms and thoughtful lenders who guide you every step of the way.

young family hangs out next to new pool they obtained with a home equity line of credit

Home Equity Line of Credit

Interested in having immediate access to funds as needed? That’s what’s great about our revolving home equity line of credit. It gives you the flexibility to cover multiple expenses over a set period of time. So, go ahead: landscape the yard, pay for college, consolidate debt and more – and enjoy an interest rate that’s lower than most credit cards.

cruise toward better auto loan rates at gate city bank

Auto Loans

Cruise toward better auto loan rates! When you buy or refinance a vehicle with us, you’ll enjoy low rates and a simple process. Time to get started with us, and hit the open road!

1 Applications must be submitted February 6 – April 30, 2023. Other terms and conditions may apply. Offer not valid on Gate City Bank lines of credit. Rates are subject to change. An appraisal at borrower’s expense may be required. The closing cost discount will be reflected on closing disclosure.