North Valley Bank wants to help you make a house your HOME!
North Valley Bank offers a wide array of mortgage loans customized to meet specific needs.
These products include:
- Fixed Rates
- Adjustable Rates
- Country Living Loans
- Construction Loans
- Lot Loans
Mortgage ApplicationApply Online!
Home Equity Line of Credit
Access the equity you have built in your home with the ease of writing a check.
North Valley Bank offers Home Equity Lines of Credit with competitive terms and no closing costs that allow you to access your line of credit however you see fit. Take a trip, payoff high interest credit cards or make home improvements.
Call or stop into any of our locations for more information and let’s get started today!
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Subject to credit approval. Rates may vary. A $100 annual fee will be charged. There is a $100 inactivity fee that could be imposed if there are no disbursements from the line on an annual basis. There is a potential $30 NSF handling fee if payment is returned for non-sufficient funds. There is a potential $35 over limit charge if the credit line balance exceeds the credit limit. The highest potential initial interest rate could be prime + 3. That would be 7.75% APR as of 1/22/2020. The rate is variable and can potentially reprice every calendar quarter. There is a $500 prepayment penalty if the line is closed within 3 years. Max APR is 25% or the maximum permitted under state law, whichever is lower.