Keep the Rate. Improve the Home.
A HELOC can help turn the home you have into the home you want.
Maybe you need more functional space. Maybe your kitchen no longer works for the way you cook, host, work, or unwind. Maybe your home simply needs to support your life better than it does today.
The good news? You don’t have to give up your low-rate mortgage to make meaningful improvements.
A Home Equity Line of Credit (HELOC) allows you to use the equity you’ve built in your home while keeping your current mortgage intact. Whether you’re renovating, simplifying monthly expenses, or preparing for your next chapter, a HELOC can help you move forward—without starting over.
You Have More HELOC Options Than You Think
Many homeowners assume they need to open a HELOC with the same institution that holds their mortgage.
That’s not the case.
You can keep your mortgage exactly where it is and still choose a different lender for your HELOC. That means you have the freedom to choose a lender who makes the process feel clear, approachable, and supportive from start to finish.
A HELOC isn’t just about accessing funds—it’s about feeling confident in the decisions you’re making along the way.
As you compare options, it’s worth looking beyond just the interest rate. Consider how easy the process feels, whether you’ll have someone available to answer questions, and how quickly you can access your funds when you need them.
Use a HELOC to:
- Remodel or renovate your home
- Create more functional living space
- Consolidate higher-interest debt
- Prepare for life’s next chapter
- Invest in the home and lifestyle you already love
Your home should support the life you’re building today, not hold you back from what’s next.
Why Homeowners Choose Richwood Bank for Their HELOC
At Richwood Bank, we believe a better HELOC starts with a better experience.
Our local lenders take time to listen, understand your goals, and explain your options clearly—so you can move forward with confidence. Whether you’re planning a renovation or simply exploring possibilities, you’ll have a trusted local lender available to answer questions and guide you through each step.
Another reason homeowners choose Richwood? Establish a HELOC with minimal upfront costs—Richwood Bank pays most standard closing costs, with only limited out-of-pocket expenses that may apply.
And once your HELOC is open, accessing your funds should feel just as simple.
With a Richwood HELOC, you can:
- Access funds instantly through Online Banking
- Transfer directly to your Richwood checking account
- Avoid unnecessary paperwork and branch visits
- Borrow only what you need, when you need it
As you pay down your balance, your available funds replenish—giving you flexibility without needing to reapply.
Have questions before moving forward? Our team is ready to assist.
Reach Out to MeGuidance You Can Feel Good About
Big decisions feel easier when you have the right people in your corner. Our lenders are here to listen, answer questions, and help you navigate the HELOC process in a way that feels clear and comfortable.
Richwood & Plain City
Jonathan is our mortgage lender in our Plain City office. He's an alum of Marysville Schools and attended Ohio University, where he received a Bachelor's Degree in Finance & Business Administration. Residing in Marysville with his wife Lindsay, Jonathan is deeply rooted in the local community. His commitment to integrity, professionalism, and tailored financial solutions makes him an invaluable asset to those seeking expert guidance on their homeownership journey.
Apply Now With Jonathan!
Logan County & Springfield
While Austin is new to home lending, he will do whatever it takes to make sure his customers feel like they’re in great hands. Austin loves to hang out at the lake with his sons and attempts to golf in his spare time. He has lived and worked in Logan County for eight years and considers himself right at home, he looks forward to helping you become a part of the community!
Apply Now with Austin!
Marysville & Richwood
Where to begin with this exceptional individual at our Marysville branch… She is the type of person that knows no stranger. Want to feel like you have a friend on your side? Tiffany is your gal. Her first position in the lending world was as an assistant processor nearly two decades ago. She has processed, originated and underwritten many loans. Everyone knows it can be a scary process, but working with Tiffany is sure to be a positive experience.
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Delaware
Over 19 years of lending and banking experience to help guide you through the process from start to finish. Whether you are new to home buying or been around the block, Bill is your man. Mortgages can be one of life's biggest financial decisions but Bill can help point you in the right direction. He works to understand each and every customers needs while directing them step by step to accomplish those goals. A firm believer of "Enjoy life. You aren't coming back for a sequel." He enjoys spending time with his two beautiful daughters and camping with friends/family.
Apply Now with Bill!
Richwood Bank, NMLS 412576
A quick application is required, and all loans are subject to credit approval. We’ll walk you through every step. Terms and conditions apply.
