Home Equity Line of Credit

Tap into the equity you've built in your home to accomplish your goals with our SmartFlex HELOC. 


What is a Home Equity Line of Credit?

A Home Equity Line of Credit (HELOC) is a flexible borrowing option that allows homeowners to leverage the equity in their homes. It functions like a revolving line of credit, where borrowers can access funds as needed, up to a predetermined credit limit, using their home as collateral. It's flexible, convenient, and a useful way to handle various financial needs.





Benefits of a HELOC


1. Convenience

Borrow funds over time when you need them. Monthly interest-only payments available for those who qualify.

2. Low Cost

By using your home equity as collateral, banks can typically offer lower interest rates, making HELOCs a middle ground between credit cards and personal loans.

3. Easy Accessibility

Easy access to funds by check, phone, or internet banking.

4. Personable Assistance

Contact or visit an MVB Branch near you to speak with a staff member that will assist you throughout the process. 


Popular uses for HELOCs

House with a hard hat.




Improve your home, whether it's a kitchen remodel, bathroom upgrade, or adding that dream deck.

House with sunglasses.



Planning your dream vacation? A HELOC can help fund your family trips and travel adventures. 

House with a graduation cap.


Education Expenses

Whether it's tuition fees, textbooks, or other educational expenses, a HELOC can provide financial support for you or your loved ones' education.



Wondering what you need to apply?


We’ve provided you a checklist of items and documents we’ll need for your SmartFlex Home Equity Line of Credit application. Requirements may vary slightly depending on the specific loan product, however if you have any questions feel free to contact us!

Personal Information

  • Verification of ID for all applicants
  • Completed consumer loan application
  • Wage Earners
    • 2 most recent pay stubs
    • W-2 (2 years may be required)
    • Most recent 2 years tax returns (may be required)
  • Self Employed
    • 2 most recent personal federal tax returns
    • W-2 if applicable
    • K-1’s if applicable
    • 2 years of most recent business federal tax returns
  • Retired
    • Social security/retirement award letter
    • Proof of receipt (2 months may be required)
    • Most recent 1099
  • Other Income (if applicable)
    • Alimony/child support
      • Court order document
      • Months proof of receipt



For more information about HELOCs, please contact or visit an MVB Branch near you.




Middletown Valley Bank makes loans without regard to race, color, religion, sex, handicap, or familial status.

To view more information about National Mortgage Licensing System, click here.

* Information provided is a summary of account features. Please contact bank for account disclosures and full details.

** Subject to credit approval.

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