Freedom Home Equity Line of Credit


Make your mortgage payments work for you. At United American Bank, we can help you use the equity you’ve built within your home as collateral for affordable financing for many other needs.

We offer both home equity loans and lines of credit, so you can choose which works best for your unique situation. With either option, you can expect competitive rates, flexible repayment terms, and detailed service.

Home Equity Line of Credit (HELOC)

Freedom Home Equity Line

The Freedom Home Equity Line gives you access to the equity you have in your home and makes you the loan officer. You can access the credit anytime to make home improvements, buy a car, take a vacation, and more! Best of all, you can lock portions of your line at a low fixed rate anytime and leave the rest for later.


  • Competitive rates for several ongoing or seasonal needs:
    • Education expenses
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more!
  • The existing equity in your home is used as collateral backing
  • Accommodating repayment terms that work uniquely for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Funds easily available via in-person or phone transfers to a specified United American Bank checking account
  • The interest paid might be tax deductible*
  • Set up automatic payments to be deducted from your account monthly
  • Quick, local decision-making and processing in the San Francisco Bay Area
  • Detailed, attentive service from start to finish

It’s fast and easy to apply!