Special Features

  • Receive 3.50% APR* for 12 months from date of the contract
  • After the first 12 months, the rate will resume at our normal rate
  • $10,000.00 new money
  • Receive up to $100 promotional credit towards closing cost
  • 1st-year annual fee waived - $50 value


  • Apply online, only once, and borrow as much of your line as you wish
  • Make interest-only payments if you choose
  • Repay any portion of the principal balance at any time without a prepayment penalty
  • Quick & smooth closing process
  • Use up to 90% of your home's value


  • Apply online - easy & convenient
  • Access your line of credit at any time by transferring the funds using Bank Online
  • Monitor your loan and make payments through Bank Online

Use Your Home Equity Line of Credit to...

  • Consolidate Debt
  • Remodel your Home
  • Finance an Education
  • Grow your Business
  • Pay off High-Interest Credit Cards
  • Set-up a Rainy Day Fund
  • Buy a Second Home
  • Repay Medical Expenses
  • Make Tax Payments
  • Take a Vacation
  • Purchase a Car or Boat
  • Life's Emergencies

* This limited-time offer is subject to credit approval and SNBT standard underwriting requirements. This offer includes residential property up to 90% loan-to-value. When opened, the introductory Annual Percentage Rate (APR) is as low as 3.50% for 12 months. Beginning thereafter, the variable APR is as low as Prime +.50 with a floor rate of 3.875% as of 3/14/2022. Interest rates may vary and are indexed to the Prime Rate as published on the first business day of the month in The Wall Street Journal. The maximum APR will not exceed 18%. The $50.00 annual charge waived for one year. Property and/or flood insurance may be required. Closing cost credit of up to $200. Minimum loan amount is $10,000.00 for new loan or a refinance of a current SNBT line of credit increase in credit a minimum of $10,000.00 Other fees and restrictions may apply. Offer available starting March 14, 2022, and is subject to change at any time without notice. Consult a tax advisor regarding the deductibility of interest. For consumer use only.

Mortgage Loan Checklist

Qualifying for a mortgage shouldn't seem impossible.

Begin the home buying process fully-prepared, from there we're confident it will be smooth sailing.

  • Completed Mortgage Loan Application
  • Purchase Agreement with Any Addendums (not needed to refinance)
  • Two Recent Pay Stubs
  • Most Recent W-2
  • Current Bank & Investment Statements
  • Loan Payment Information
  • Personal Tax Return
  • Driver's License
  • Homeowner's Insurance
  • Property Tax Bill
  • Business Tax Returns & Certified P&L (if self-employed)