Skip to main content
Fulton Bank
Fulton Bank


Our offices will be closed on Wednesday, June 19, in observance of Juneteenth Freedom Day.

Home Equity Line of Credit

Convert the equity in your home to flexible, accessible funds.

Put your home to work.  

Whether you're looking to pay off high-interest debt, renovate your home, or pay for college, OptionLine, our home equity line of credit, is there when you need it. 

OptionLine lives up to its name. You have the option of converting all or some of your floating rate balances to a fixed-rate term loan and back again up to three at a time -- so it's easy to take advantage of the best rates available.


  • OptionLine is a variable rate line of credit with interest only payments
  • As you draw from your line, you can lock in up to three balances at a fixed rate, with a fixed monthly payment1
  • After you lock in your balance, choose from a range of terms


  • Competitive interest rates based on market conditions
  • Most closing costs are waived for primary residence OptionLines up to 80% loan-to-value ratio
  • The interest you pay may be tax deductible2


  • Access your available funds anytime 
  • Advance money online, by check, over the phone, or in a branch
  • Connect it to your Fulton Bank checking account as overdraft protection for added security


Use your home as collateral and borrow up to 80% of the value of your home, less any existing mortgage debt, as our standard product. 


Use your investment property or rental unit and borrow up to 75% of the value of the property less any existing mortgage debt.

Apply for an optionline today

Use our online application to apply. Applying online is easy - just make sure you have your mortgage balance, current home value, and purchase price.