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Home Equity Line of Credit Bozeman MT

Looking for information on Home Equity Line of Credit in Bozeman? We have compiled a list of businesses and services around Bozeman that should help you with your search. We hope this page helps you find information on Home Equity Line of Credit in Bozeman.

U.S. Bank - Bozeman Branch
(800) 872-2657
104 East Main Street
Bozeman, MT
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Sterling Savings Bank - Bozeman Branch
(800) 772-7791
5 West Mendenhall
Bozeman, MT
ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee can be waived by maintaining a balance of $2,500.00 or more. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Sterling Savings Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - Bozeman 19th Avenue Branch
(800) 872-2657
1460 North 19th Avenue
Bozeman, MT
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
US Bank - Bozeman Office
(406) 585-5222
104 E Main St
Bozeman, MT
Drive Up Hours
Mon 07:30 am to 06:00 pm
Tue 07:30 am to 06:00 pm
Wed 07:30 am to 06:00 pm
Thur 07:30 am to 06:00 pm
Fri 07:30 am to 06:00 pm
Sat 09:00 am to 12:00 pm

US Bank - Bozeman 19th Ave Office
(406) 582-9188
1460 N 19th Ave
Bozeman, MT
Drive Up Hours
Mon 07:45 am to 06:00 pm
Tue 07:45 am to 06:00 pm
Wed 07:45 am to 06:00 pm
Thur 07:45 am to 06:00 pm
Fri 07:45 am to 06:00 pm
Sat 09:00 am to 12:00 pm

Wells Fargo - Bozeman Branch
(866) 245-3452
211 West Main Street
Bozeman, MT
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - North 19th Branch
(866) 245-3452
1400 North 19th Ave
Bozeman, MT
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - Bozeman
(406) 586-3381
211 W Main St
Bozeman, MT
Type
Branch
Office Hours
Mon-Fri 09:00 AM-05:00 PM
Sat 09:00 AM-03:00 PM
Sun Closed

Wells Fargo - Bozeman Mb
(800) 869-3557
211 W Main St
Bozeman, MT
Type
Motor Bank
Office Hours
Mon-Fri 07:30 AM-06:00 PM
Sat 09:00 AM-03:00 PM
Sun Closed

Wells Fargo - North 19Th
(406) 586-3839
1400 N 19Th Ave
Bozeman, MT
Type
In-Store Branch
Office Hours
Mon-Fri 09:00 AM-07:00 PM
Sat 09:00 AM-03:00 PM
Sun Closed

Data Provided By:

How to Obtain a Home Equity Line of Credit

Written by Matthew C. Keegan  //  2012/03/05  //  Financing , Home Financing  //  No comments

homeequity

A home equity line of credit (HELOC) is type of revolving credit. When choosing a HELOC, your home serves as collateral the moment funds are withdrawn from your credit line. If you have built up equity in your home and have good credit, a HELOC can be easy to obtain. But first, you will want to get organized and develop a plan to help you secure funding from your bank or other financial institution.

1. Talk with your accountant. You may think that a certain, low-rate HELOC is the best approach for you, but your accountant may not share that opinion. For some homeowners the tax advantages of a HELOC may not be beneficial while a home equity loan (HEL) or other financing arrangement may pay off in the long run. Consult with your financial adviser to come up with a borrowing strategy with the best tax implications.

2. Assess your needs. Your financial adviser will likely encourage you to borrow only what you need. This means developing a budget outlining how much money to access. Although a HELOC does not require you to tap all of your available funds, you may want to consider a line only large enough to cover the cost of renovations or other work you want to have done on your home.

3. Shop around for credit lines. Your financial institution and your mortgage broker are two sources to explore for your HELOC. You will also want to compare their rates with what other lenders have to offer which means expanding your search accordingly. Most lines of credit offer variable interest rates; compare those rates along with fees and closing costs to determine the best HELOC for you. Have potential lenders explain the terms of their contracts; negotiate for a lower rate or fees wherever possible.

4. Apply for a HELOC. Once you have found the HELOC you want, then apply for it. Your lender will obtain your credit information before...

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